But more and more people are going to the docs. As the baby boomers grow older the demand fo services has gone up. Add to that the demand for lipo, etc... and there are not enough docs to go around. Thus the old supply and demand. If you think it is expensive now, add 50 million folks to an already overtaxed group of people and cost will go up a lot more. Hence the reason why you medical coverage has increased in cost, more folks in, more demand for service, not enough people providing service, more payout by the insurance company and voila, drastically increased cost.