re: Is the Healthcare/Pharma industry a giant scam?

Huge scam. Heath insurance has become more of a union, than an insurer, as the union can tell the service providers how much they will be getting paid from services provided to members.

Considering our litigious society, I couldn't understand why there was never a class-action suit against major healthcare providers who were charging more for services to patrons who didn't join the union, or could not afford to.