Are health insurance companies providing solutions to help us or keep costs low?

Health insurances: Health insurances are a risk management for profit business. Their goal is to make a profit. Since they were introduce they have caused health prices to go up. They are betting on not having to pay for treatment. Now that health cost is so high we can not do without them. With the introduction of the hmo's and ppo's, the have succeeded transferring the health risk to the health providers.