Problem with healthcare

According to our health plan, I can get a new pair of glasses every
year. I don't really need a new pair (have 3), but it's a benefit, so
why not? Use it or lose it.

And that, in a nutshell, is a big problem with healthcare. I don't pay
anything for it (on top of what I am already paying I suppose), and it's
not something I need, but I'm spending the money, which means, in the
long run, prices for healthcare will go up.