There are additional factors at play with those to examples:<p>- Insurance has agency problems.  The people deciding the treatment (doctors and, to some extend, patients) are not the folks paying.  So they want to maximise quantity (doctors and patients) and expense (doctors).<p>- Car repairs are not bought often, so it&#x27;s not worth most people&#x27;s time to understand them.  Moreover, repairs are often covered by the <i>opposite</i> side, so you (and your insurance) company may only need to show reasonable effort to shop around, and are not invented to spend time&#x2F;effort to minimise the price, as it&#x27;s the other side which bears the cost.