Health insurance originally was for managing risk -- it only covered emergency healthcare like being in an accident or having a heart attack. But now we want healtchcare to cover everyday costs, including routine doctor's visits and daily medication like antidepressants or birth control.

Of course full coverage health insurance is going to be expensive -- if people are using it every month then it no longer distributes the occassional cost of an accident, but rather distributes the daily healthcare costs for routine care.