No, I'm describing the reasons why health care costs too much.

A doctor visit, a mammogram or a papsmear, a blood test, a prostate exam, a birth control prescription, even a normal childbirth.... these are all routine, budgetable, affordable health care procedures that don't need to be "insured" because we know about how much they're going to cost, and we can work them into our budget.  But that $30 birth control prescripition requires a doctor visit every six months (why?), and each time it's filled, the doctor's office has to process a claim, the pharmacy has to process a claim, and the insurnace company has to process the same claim, then the doctors office and pharmacy have to keep track of reimbursements and follow up when they don't get paid. The claims processing costs associated with that $30 birth control add over $300 worth of labor costs to those pills, simply for claims process.  And those costs are part of your premiums.  Totally unnecessary.