Think of it this way.
All of us, health professionals included, want their jobs to go well, the best of everything, and a reasonable standard of living. So, of course, they are always pushing for the latest and best toys from pills to instruments to machines. Given the choice, they will drive up costs by wanting the best for their patients. Certainly nothing evil or despicable in that environment, right? (Especially if I am the one needing treatment!)
Then of course we have the insurance companies. They want the premiums to cover the costs from the health care folks, plus the costs of administering, sales, etc. Nothing wrong there either. On top of that, they want a little kicker for the owners. All is well in the world, everyone is happy.
Then, here's the tricky part, where unintended malevolence creeps in. Its the old cost-plus problem. The only way that the health insurance company can get increases in profits is if the amounts paid out to the health industry go up. Guess what? The incentive suddenly becomes finding ways to accept claims which will increase the cost base for next year's premium adjustment. The target becomes finding the balance point of the highest premium increase that will be accepted by the employers without dumping health care as a payroll benefit. It would appear to me that the insurance companies have successfully turned the task in to an art.