cyberryu

The insurance company is the very reason why the prices are so ridiculous.  When people get the insurance covers all their medical expenses, they won't think twice before visiting a doctor, pushing up the demand beyond the normal circumstances.  While the medical association limits the number of doctors via exams, and the high costs of malpractice insurance, all these factors jack up the prices.  Co-pay came to existence only in the later years, but it's already too late.

So, next time you visit a doctor, pay attention to what they are charging you, even though you have insurance.  Sometimes they put on some funny expenses, knowing that you wouldn't care.  But in the long run, your insurance premium will go up as well.