It's a tangled mess. More tentacles than an octopus.

cost of education for the doctors
cost of R & D for pharmaceuticals
cost of products in the pharmaceuticals
cost of brick & mortar
cost of laboratory & testing equipment
cost of... it goes on

and then...
here comes the trial lawyers... sharks
every i & t have got to be dotted and crossed... or
causing & costing too many tests and procedures being performed
all of this only to cover one's butt and avoid staggering judgments or settlements

all of this calculates into and drives up the costs of insurance
what is the answer
you tell me