The major reasons why healthcare insurance is has such high premiums today is that medical procedures cost a lot and are probably over used. Doctors now routinely perform many ultra-expensive operations that were unknown a generation ago. Our unhealthy lifestyles also play a role. We need health care more as our society becomes less healthy.
One way to lower our costs for hospital and doctor insurance would be to lower the number of bypass operations and angioplasties that are performed. In the good old days of low-cost health insurance, these interventions were performed much less frequently.