Obviously insurance costs doctors, hospitals, etc. tons of money in terms of staff to process all of the insurance forms that have to be done. And you have all of the high paid executives at health insurance companies that need to get paid. It is just a middle man that provides no real benefit but chews up a ton of money and costs the consumer a ton of money. And they stay around due to spending a lot of money on lobbyists, not much different to real estate agents (despite the changes the agents still are trying to control the commission fees).

Sadly so much of our money is consumed and produces nothing. You have defense weapons, ships, etc. being purchased that the military branches themselves often don't want but politicians keep them so they can provide jobs, essentially welfare.

Unfortunately medical care is something virtually everyone needs and the costs just keep soaring upwards.