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Great example. That is what might make a difference. Have you noticed that medical technology never get any less expensive, Why would that be? No competition?
Health insurance should cover the expensive items, not the day to day things. Car insurance covers accidents not oil changes.
Apple makes a lot of money and is sitting on a ton of cash, should we demand cheaper computers, iPhones, or iPads?
The analogy here is you won't die or become ill without a computer, IPhone or iPad. The death of a car from lack of maintenance does not compare with the death or illness of a human due to lack of health insurance. No perfect answer to this.
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Nancy Yager says
We have that sort of thing as well, but there isn't anything that tells what the best hospital/doctor/ labs etc. You get your choice of what the company offers and take what you like best.