In 1961 my health insurance consisted of hospitalization, inpatient physician services only based on a fee schedule and a fixed dollar amount toward x-rays and lab work each year ($25). No coverage for outpatient services (office visits) or Rx, both of which were affordable. THEN we expanded coverage and expanded coverage so today, as an example only, the voluntary purchase of a birth control pill that may cost $20 a month must be free to everyone. And you seriously don’t understand why health insurance is so expensive? Americans do not feel that any of their hard earned money should pay for health care. The most modest, routine expense is deemed unaffordable and so they end up paying equally unaffordable high premiums.