Here's a small example of why your insurance premiums are so high.

At the pharmacy window of Carrs Huffman, there has been a custom printed sign for the past three weeks encouraging people to get a flu shot.  The wording expressly states that (paraphrasing) "because it's usually billable to insurance, it's free!."

This is wrong on two levels.  First, medical procedures should be justified based on their medical need, not on whether they are billable to your insurance.  Second, the statement that it's free because it's insurable is obviously false - you WILL pay for that service through the cost of rising premiums.  If the insurers bear more cost, they raise your premiums.

Medical providers such as this pharmacy need to reevaluate how the procedures they recommend are justified and advertised.