I did, USPS and Medicare are a good example of a gov-o-fuck.

As far as creating monopolies the government is helping to do that by prohibiting insurers from sell across state lines decreasing competition a raising costs. I’ll let you Google.

I’m glad the insurance companies are finally becoming more efficient and making a profit. I would go for a money grab if I was in their shoes and had mounting concerns over looming new laws aimed at putting me out of business.