The insurance part is the most important. The more things cost, the more value insurance provides, which is especially valuable to insurance providers because t

The insurance part is the most important. The more things cost, the more value insurance provides, which is especially valuable to insurance providers because they pay for things at a discounted cost. The more value it provides, the more they can charge. The economically rational consumer is best off getting drugs through insurance, but in doing so, builds a system that makes any alternative less affordable.