The problem is the existence of health insurance! Whenever the end-user of a good or service doesn't pay the full cost of that good or service the price inflation is greatly exacerbated. Without the insurance to pay vendors would be forced to charge what people could afford out-of-pocket. Corrective eye surgery is a great example. Insurances doesn't cover it and it's price has fallen dramatically over the last decade, while procedures covered by insurance have had their costs vastly inflated.