Why is health insurance so expensive? Because government dictates what it must cover.
I pay almost 13 times more for health insurance then home insurance, and more than 5 times more for auto insurance than for health insurance.
Health insurance should have low monthly premiums, high deductibles, and Health Savings Accounts to pay for the out-of-pocket expenses on a pre-tax basis. This arrangement puts the patient in charge of the money instead of the government or insurance companies. That is how you get medical practitioners — from private doctor practices to big hospital complexes — to lower their costs and improve quality.