Don't forget about the true rent-seeking, taxpayer gouging insurance companies. I find that by the time I've paid my $950 a month in insurance, paying another $40 copay to the doctor just makes me angry. When the cost to have semi-decent insurance is the same cost as leasing a BMW it's no wonder that people don't go to the doctor's.
[Note: I realize it might just be that my insurance is ridiculous. I'm looking into alternatives.]