You can see the actual costs of healthcare. You can go look up the costs right now and calculate it all ahead of time. I've done so before. The problem is, you

You can see the actual costs of healthcare. You can go look up the costs right now and calculate it all ahead of time. I've done so before. The problem is, you cannot calculate costs for unknowns. You go to a doctor for a small thing, which blows up into a big thing. Those big things are the majority of the cost. Or you go to a hospital for a small issue, which ended up being a critical unknown. No matter how much people wax poetic about healthcare and regulations, it's ultimately a system where you cannot predict costs accurately. People want to treat it like planning a flight, when it's more like your car breaking down or your phone dying suddenly.