Considering I've paid premiums to the same provider for over 30 healthy years, one would expect affordable coverage in their silver years. But it doesn't work like that. The most complicated thing is dealing with the complexities of keeping the insurance providers profitable. Spreading risk to maximise profits. There a finger in every layer of healthcare scraping away profits and inflating costs beyond what is ethical. An example is the patent system manipulation causing hyperinflation in pharmaceuticals. Costs won't come down in a free market. If you think they will, you haven't been paying attention. I can't choose whether to take medication or when I need care. I'm not a refrigerator that can wait if I can't afford the repairman.