Insurance companies get a bad rap, but compared with many other major industries their goals are actually pretty well aligned with those of their customers/ the public at large. For example, property insurance companies want better security, more sprinklers, earthquake resistant buildings, etc. Life insurance companies would obviously prefer that you live forever. I think something similar can be said for health insurance companies (preferring that you don't get sick), although the concept of health "insurance" is severely abused in US.

Also, the idea that "doctors care about you" is pretty laughable.