Earlier this year, consulting firm Milliman spelled out the trouble with health care spending in their annual medical index: The annual health costs of a typical family of four through an employer-sponsored preferred provider organization rose 6.3 percent to $22,030 in 2013. And families have been hit with a larger percentage increase in costs than employers.

This brings to mind two very real issues we must face. First, part of the driving force behind this cost inflation is poor consumerism.

Why are we such terribly inefficient buyers of health services? If you dent your car and figure the repair cost will be around $1,500, you're likely to run out to three garages and get bids.

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