Health insurance companies operate in the market for earning the profits and they can not afford to pay for everyone’s health spending. The problems arise when your health insurance company hikes the premium for no reasons. And it happens several times. The companies have to shell out more money to cover the workers and employees. There are no such regulations which would force these companies to provide the insurance at the reasonable cost. Many companies are not easy to deal with. The bubble of cheap health insurance bursts as you go to them with claims. The drama begins and it ends with denying the claims. These insurance companies are smart enough to find the reasons to deny the claims. The health insurance in many countries is costlier than the actual cost of health care expenditure by an average family. The rate of claims is so low that these companies have become greedy with swelling profits. There must be stricter rules and regulations to govern the health insurance companies.