The malpractice insurance is because of frivolous lawsuits. My mom had leukemia for 15 years or so, which is essentially AIDS. She picked up a bacterial infection at a hospital which gave her a super high fever. They administered some experimental drug to take the fever down (dunno the name) and the side effect was that it shut down her colon. Her body poisoned itself to death. The hospital claimed she died from leukemia, but no, she died from the bacterial infection and the medicine, both from the hospital. Sure, my family could have sued and made a fortune, but where does that come from? Everyone else paying high hospital expenses. America is a society of litigation and healthcare legislation is written by ambulance chasers.