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Health insurance is also much more expensive than it was in the 1940s and ’50s, partly because modern medicine can do so much more to heal our ills. Schwartz, a professor of medicine at the University of Southern California, notes in his 1998 book Life Without Disease: The Pursuit of Medical Utopia , “In 1950 costs of health care were remarkably low, because, for a large percentage of patients, doctors really couldn’t do much.

Health insurance is an enormous topic of concern in the USSA, and has been for years, judging by news coverage, politicians’ pontifications and legislations, and think tank wonkery devoted to the subject. It is a large and elaborate system that everyone pays for, most obviously in the rising costs of medical care but in many other ways too. Health insurance is the ultimate bundled product. There are now approximately 7,500 services for which physicians bill; the count rises if services offered by nonphysician providers are added.