The issue here is we don't directly pay for the services. It is handle by 3rd parties, AKA health insurance companies. Health insurance company is not true insurer. They pay for everything. I meant, do you call your car insurer to pay for oil change?

Since health insurance companies merely handle the payment and get a cut for this services, they have the incentive for the cost to go up. High cost equals to higher profits.

Insurance company should be insure on highly unlikely illness, such as cancers.