If you want to know what’s happening to health insurance in America, take a hard look at UnitedHealth – the nation’s largest insurer. It's making humongous profits. Its second-quarter earnings jumped 11 percent. Over the past its revenue grew 28 percent to $46.49 billion. So far this year, the value of its stock has soared 20 percent – more than triple the 6 percent average increase of the rest of the stock market.