Intention of Rules

In class today we discussed the role of the Insurance companies in the health care debate.  This got me wondering who the rules are made for in political and economic institutions.  The health care companies are upset and asked, with an unknown amount of bias, a company to conduct research on the cost of the proposed health care plan.  But you have to stop and ask yourself the question, which cost are we talking about?  Are we talking about the cost per individual or the cost the insurance companies will be forced to take on?  This difference is important to note.  It is my belief that insurance companies try getting out of paying whenever possible, as it costs them money.  Could this new health care plan simply be forcing insurance companies to own up to their responsibilities and provide the care they have, in some cases, failed to give?

If this is not the issue then is it personal?  Do the insurance executives not want to take the coverage they currently receive?  What could other reasons be?  Even though we know it's hard to change institutions once they are created, at what cost are we willing to forgo to allow certain injustices to continue?