In 1994/96 Blue Cross/Blue Shield began a series of sell outs and mergers and switched from non-profit to for-profit.  It literally became a greedy free for all complete with higher premiums, deductibles, co-pays and the like.  All for profit greed and denial of coverage based on age, sex, preexisting conditions, etc.  The insurance companies began to "manage" your care for you and make decisions base on their profits, not your medical needs.  Much like the AHCA aka Trumpcare.