and that's the problem with insurance.
we have health insurnace to pay for medical bills we cant afford.
but ultimately we all die in the end anyway.
and it gets really expensive before we do.
thats why insurance is insufficient as a concept to pay for medical bills.
the are only two real solutions:
1) Kill the insurance system as it exists, and go to catastrophic only coverage, everythng else is out of pocket. No cost sharing, no help whatsoever.
2) Kill the insurance system as it exists, and cover everyone, 100% all of the time for everything
Both would be effective at cost reductions by eliminating the insulation of our wallets from the cost of medicine, but only one of these actually benefits society as whole. The other only benefits rich people, while the poor die in teh streets (kinda like today, but cheaper).