For example, Delta Dental, TDA, Dental Select and a few other dental insurance companies got together and decided that they were going to set the market prices for dental services in Washington State. They all had the same crown fees, filling fees, exam fees, etc, and they all dropped their prices together. Perfectly legal.
So, the dentists of Washington all got together and decided that they would all drop Delta Dental (Delta used to pay out the highest, but had the most hoops to jump through. Why jump through the extra hoops if the other 5 all pay the same, right?). Delta caught wind of this and sent out letters saying that if they dropped, they would go after them for anti-trust laws.
This is just one example where laws have completely screwed over the common man. Insurance companies can reduce their payouts, increase their fees, and profit out the yin-yang, and it all perfectly legal because anti-trust laws don't apply to them.
Fix the anti-trust laws (don't make anyone exempt, specifically unions and insurance companies and you would fix a LOT of healthcare problems. And probably actually get decent cable/satellite/internet tv service.