Problem number 435 with our insurance system, this one blamed on the consumers:

This weekend is our girls basketball tournament. It's this weekend every year and from 7am to 5pm I sit in a gym and help run the thing, I'm even reffing this year. After the first game, a girl came up to me asking to be taped, so we took her into the training room and I taped her angle. She was walking with a slight limp but made no ill faces as I handled the ankle to tape it. A few minutes later her mother came up to me asking where the nearest Aurora walk-in clinic was. She said her daughter still had a little limp and pain and she wanted to take her in. WHY? You know it's not broken. The Dr. is going to say to ice it, stay off of it, and if it gets worse to come back. See, the problem is that if our insurance covers it, we'll take advantage, and this is leading to higher rates. If that lady had to pay for that care, she wouldn't go in unless it was serious, and rates would stay lower. It's a broken system, and I see no way of fixxing it as reliant as we have become on health care for every little ailment.