I thought about it quite a bit and I came to conclusion that it is not 100% alignment between consumer and insurance, like it would appear on the surface. To me it seems insurance in the long term is interested in health services becoming more expensive (bigger pie they can manage), but steadily. I.e. it will affect insurance negatively if costs will suddenly increase by alot in a single year while premiums are locked in. But if it will keep inflating steadily and predictable - it only gives them a larger chunk of cash to manage and profit from. There are of course limits, so it needs to align with income inflation to avoid situation where their pie is shrinking because people/government simply can't afford it anymore.