It’s not regulatory capture, it’s a complete lack of federal regulatory guidelines in regard to the insurance industry.

for a medical service provider to be insured (and thus not be destroyed by the first malpractice suit they lose) they need insurance, the insurance companies have their own stipulations onto the healthcare provider, like all their stuff being certified, now guess who owns the respective certification companies? letting them charge whatever they damned well please…

it’s straight up duopolistic markets