When something is free...

I know it's obvious that when you don't have to pay for something, you're more than willing to consume more than you would if you did have to pay.

It seems health insurance is the same way. To wit, the other day, I was told that I need orthotics, which cost $350...unless insurance pays, which it does.

Without insurance, I'd probably go w/out them and get by, but with it...why not?

Ah, but here's the catch...I do pay, we all do, it's just that we pay next year and the year after that...in higher premiums.

Still, probably won't change my behavior.