Was it ten or so years ago that the cost of insurance was fairly reasonable and the cost of an office visit was reasonable too. What happened?
15 million illegals all getting free care at emergency rooms?
Insurance expanded to cover everything even well-visits, allowing hospitals to charge $1500 a night for a room and $25 for two Tylenol...prices that the average person could not afford and would be necessarily lowered by the free market.
On many insurance plans, not all, but many, the co-pay (which before Obamacare used to be about $7.00) for an office visit is around $50. I consider $50 to be approximately what the free market cost of an office visit should be without the insurance company’s extra payment on top (probably another $17 or so).