Been that way for a few decades. Also never use a new drug when an old one has been around and works. The USA medical system is designed only to maximize payments by the population to the medical industrial complex with government subsidies if possible. Everyone including your favorite personal doctor in your little town is upselling you to maximise office income. As soon as dental insurance started your dentist got into the act. Hell when pet insurance happened even vets got into it. Pet care is now as expensive as human care.