I wasn't implying that annual checkups were causing ballooning cost. Having insurance cover it certainly doesn't help reduce cost. Other types of insurance gi

I wasn't implying that annual checkups were causing ballooning cost. Having insurance cover it certainly doesn't help reduce cost. Other types of insurance give discounts for behavior that reduces their risk of a huge payout or they charge higher premiums for higher risk. There is no reason medical insurance can't do the same.