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After world war ii are getting older and need more care. each day 8,000 of them turn 60. second reason, high-tech. as a wealthy nation we ve developed very sophisticated, very expensive medical cotools d we ve used them maybe too much. who pays? you do. third reason, lawyers. republicans talk about how doctors have to buy expensive malpractice insurance to protect themselves. how much this contributes to health care inflation is hotly debated, but, again, you pay. fourth reason, insurance, itself. most of us are facing bigger insurance bills, but many pay less when actually at the doctor s office. which industry analysts suggest may be encouraging some consumers to go for every little ache or scrape. add in the fast-rising cost of prescription drugs despite the spread of generic drugs and it s a costly combination. and the fifth reason, ....