Some of the nation's biggest health insurance companies are enjoying record profits as many Americans postpone trips to the doctor or dentist. Despite the trend, "The New York Times" says major insurers continue to push for double-digit rate increases to offset the potential for a future spike in demand. The paper notes one of the largest commercial insurers, UnitedHealthGroup, reported a decrease in average hospital stays this year. Cigna also noted lower levels of medical use. According to the "Times," analysts believe the tough economy has led to fundamental changes in the way people use the health care system.