[huitzitziltzin]

The existence of this particular scam is known to the health economics literature.

I’m not sure there’s really a point in the insurers’ denying it.

Here’s a reference to a recent paper:

https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2612913

The paper itself was published in the Journal of Political Economy.

[formerkrogemp]

I think you mean the cost of American healthcare is a scam known to most people. What most people don't know is how much health insurance plays a role.