Yes you can go to visit a doctor and pay cash for a quick look, blood pressure and temp check. After that the prices accelerate at an unrealistic rate. To use your example it would be like coming in for an oil change which is reasonable at $30 but then if you need an air filter that's another $400 if you need a fluid exchange that $600 and so on, you'd suddenly have a market for service warranties which is basically insurance paying for maintenance.


The problem is the cost it's out paced the market but that's natural when a market is subsidized regardless if it's insurance companies or government subsidies. When the markets ability to control cost is removed the entire system is unsustainable.

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