Are insurance companies gouging ?

Doctors' fees keep getting higher, is it inflation, greed or does the fault lie with corporate profit taking by insurance companies ?

A US Government report indicated that “Premiums in 2003 increased by 9.2 percent for single coverage, 10 percent for employee-plus one coverage, and 9.2 percent for family coverage over the prior year, continuing a trend of increasing premiums observed each year since the start of the survey in 1996.” Ouch !