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please read or at least skim the following that i posted a few days ago. its from 2006, so its a little outdated, however, i do believe a lot of the same issues still apply today, just magnified.
each tries to explain some of the reasons for the rise in health care costs and thus the rise in health insurance costs. though each is just one person's views, they do seem more balanced than most. and reading more and more, patterns start to emerge.
in the end, not sure a complex problem can be boiled down to A simple cause....but maybe that's just my opinion.
sue
Spondyloarthropathy, HLAB27 negative Humira (still methylprednisone for flares, just not as often. Aleve if needed, rarely.) LDN/zanaflex/flector patches over SI/ice vits C, D. probiotics. hyaluronic acid. CoQ, Mg, Ca, K. chiro walk, bike no dairy (casein sensitivity), limited eggs, limited yeast (bread)