Well, also because of the societal trap of health insurance. If you have health insurance, you're (hopefully) not paying for your medical costs. So the medical

Well, also because of the societal trap of health insurance. If you have health insurance, you're (hopefully) not paying for your medical costs. So the medical costs get jacked up- after all, you, the buyer, don't front the bill. If nobody had health insurance, medicine would be cheaper. Of course, for every individual who can afford it, health insurance is a good choice (individually).