This is purely anecdotal, but I want to pass it on as this was just discussed a couple of days ago with my sis in a round about way. She was talking about the high deductible health care account system they'd just gone to from the HMO.
She said that since they switched over to the
HDHP (matched with a
HSA), she's more likely to just keep her kids home if they have what she thinks is a 'flu bug' for a day or so and see if they get better, whereas previously with the HMO she'd always rush them right into the doctor, even though the doctor would obviously just tell her to watch them, do the fluids thing, etc (cuz, you know...viruses...).
So, if that's the typical attitude of the typical suburban wifey with kids (OMG, MUST GET TO DOCTOR EVEN THOUGH I KNOW THEY WON'T BE ABLE TO DO ANYTHING), then perhaps that has a lot to do with the stupid overall cost of healthcare.