I agree, the difference in cost for vet care and people care is amazing, yet essentially it is the same product. And my cat’s vet certainly drives a very nice care.
At my last job we had very good health insurance, and our copays were $5 for Dr. visit, $5 for any medication, and $0 for any tests. It was 100% paid for (dependents too) by our ER. Some people in my office were at the Dr. office almost everyday for any little thing. They would chide me because I only went if I felt I needed it. I bet if they had to actually pay (or at least pay more) for their healthcare they wouldn’t be running up the demand curve and policy price.