Dr Sowell is wrong again on the issue of insurance increasing costs of covered preventative care. Yes, the paperwork costs increase overall costs, but just about EVERYONE with any sense will incur the costs of regular physicals and routine preventative care. So there is no risk these costs may or may not happen. But the collective power of the insurance payers can negotiate down the cost of these routine medical services, as everyone with medical insurance already knows. A $350 routine blood analysis is paid by insurance at more like $50. Yet the labs are happy to accept, which indicates they are still making money, but not gouging. So the service is provided, at a cost more nearly in conformity with marginal cost = marginal revenue.