Isn't it the legislative branch that is captured, rather than the judicial? I don't see the courts failing to uphold the law (save for the supreme court which fails to uphold the Constitution, but that doesn't weigh on the everyday person's life much, as we saw through the elections). Insurance companies (mostly) don't actually break the law. It's the legislators that continue to fail to address our problems, and who get paid to look the other way while the working class is looted.