What has happened with health insurance lately? Why is there such huge jumps in our premiums while there is a very noticable cut in offered and covered services? Insurance companies blame the greedy trial lawyers. Lawyers blame the bumbling doctors. Doctors blame everyone else. The truth seems pretty evident at least to me. They are all to blame. Let's look at Doctors first. Now for the most part they are a competent lot, but as with every profession there are a few bad apples in th...