Have you ever wondered why car insurance is so much less than health insurance? Yes, we are talking the difference between an expensive car and a human life, but let's look at it just as costs for now.
What does car insurance pay for? Oil changes? New tires? New shocks/struts? New brakes? Gasoline? New radiator? Timing belt adjustment? See where I'm going? It pays for catastrophic problems - accidents/injury/body repair/etc. That's why is it relatively cheap. What do you do when you have to get new tires? You shop around for the best deal. New brakes? Shop around. You have to pay for those things, so you are more careful about the cost. If car insurance allowed you to go get 22" chrome rims with sport tires that were $350+ a piece, with just a $20 copay, you would do it for sure. What's cheap for you is that way because someone else is paying for it. Shifting your responsibility to others may be convenient, but it's not right.
The answer to controlling health care costs is to make people more responsible for their own decisions and allow insurance companies to do what they originally were created to do - provide catastrophic coverage, not routine maintenance.
We complain that health care costs are skyrocketing, but WE are the ones requesting and requiring insurance companies to may more and more, which they then pass back to us. If we really want the costs to come down, we have to stop expecting insurance to pay for everything, and take that responsibility ourselves. It will be somewhat painful for many, my family and I for sure, but hopefully it would save us some money. Plus, it's the right thing to do, and that's what matters.