Many of the shenanigans pulled by health insurers aren't legal, but they know a significant number of people will just pay or file bankruptcy instead of appealing or lawyering up.
Think of all the times you've seen a news headline that reads "Company X settles with [regulatory body], does not admit guilt". Corporate malfeasance rarely reaches the courtroom, so their wrongdoing is not entered into public record in a way that can be cross-examined.
