In the case of coal power, it's often found that the external costs per kWh is actually DOUBLE that of the internal costs. So if you get $50 of electricity from coal, it's actually costing you $150. This translates to you, on average, getting one extra upper respiratory tract infection each year, plus a small chance of lung cancer or other serious illness that can lead to death.
Yes, it's actually cheaper to spend $100 on cleaner electricity in the first place.
I live in coal fired power land and in my 4 decades I've never had an upper respiratory infection and neither has any of my immediate family. I also don't see respiratory issues in my friends and coworkers outside of those that smoke. For reference I can see a natural gas power plant out my window and I could drive 50 miles either way to a coal power plant - 100 miles to nuclear. My electricity cost is $.10/kwh.
Also, the following article give some insight to the high energy usage by at least hospitals: http://www.eia.gov/consumption... quote from article: "The 2003 Commercial Building Energy Consumption Survey (CBECS) data showed that large hospitals (greater than 200,000 square feet) accounted for less than 1 percent of all commercial buildings and 2 percent of commercial floorspace, but consumed 4.3 percent of the total delivered energy used by the commercial sector in 2003"