Many things influence the cost of group and individual medical insurance. One factor is the cost shift that takes place from MDs, Hospitals, and other providers. MedicAID (more so) and MediCARE pay providers significantly less than their real costs. They in turn charge higher rates (cost shift) to the commercial plans with which they work.
Thus, what we have is government medical programs working to control costs by under paying providers! A more effective approach, which would result in higher quality care for patients, would be to work on controlling inappropriate payments!
This video highlights the significance of this issue!
Suggest talking to state and federal legislators and ask - why is more action not being taken to stop this.