please read or at least skim the following that i posted a few days ago. its from 2006, so its a little outdated, however, i do believe a lot of the same issues still apply today, just magnified.



and a few things more recent (from this year):

why does health care cost so much?
Why health care costs keep going up

each tries to explain some of the reasons for the rise in health care costs and thus the rise in health insurance costs. though each is just one person's views, they do seem more balanced than most. and reading more and more, patterns start to emerge.

in the end, not sure a complex problem can be boiled down to A simple cause....but maybe that's just my opinion.