[pasbesoin]

It seems to me that, ultimately, such practices should be investigated and perhaps prosecuted on some legal basis. The problem is so endemic and systemic that I can't help believing some degree of perhaps illegal (and, at least, it should be illegal) collusion is in place.

One example: How can I know/believe that practices aren't widespread to deny myself and others coverage we are actually due per our contracts?

There is also widespread, systemic spreading of cost that is outside of any contract (i.e. insurance) authorizing and mandating such. Widespread enough to warrant investigation for fraud.

If the regulators weren't totally co-opted and owned by the industry, it would be rife for investigation and perhaps charges of corruption. Under existing laws -- no new laws needed.