As a New York State EMT, I know what you're talking about.
I know what you mean from a personal standpoint, too. My health care just shot up from $400 - $500 a month. For example, I had to camcel an appointment at my physical therapist for a while due to my change in shifts. I called the other day and found out I had to go through the entire process that I had one month earlier because "it'd been too long" and "it's a law."
It's a bullshit way for insurance companies to make more money.