People also expect to get all their health care paid for.

What happened to the shared risk idea?

You know, like other types of insurance where one eats most of the cost
in order to have the assurance that if something catastrophic
occurs, it will be covered.
I know I have paid a lot more into health insurance than I have used. I thought this was the basic idea. Most people would pay more in to cover the high blasts that come from something like getting opened up in a hospital
operating room.

STS is right. We spend an enormous amount of money on the elderly.
And it is most likely at the expense of the young. The young ones
must be taken care of. If they are not, they will become life long money
drains for a country or insurance company (who would most likely just
drop them anyway).
We also spend a large amount of money on research of fairly rare disorders, instead of taking care of the mundane widespread disorders that are more common and costly.

Every celebrity seems to have their pet disorder that needs to be funded because they have a family member that experiences the disorder. I feel sorry for them, but what about the poor kid who is healthy to start with
but gets sick because of lack of basic health care and lack of family knowlege on how to take care of kids. These costs are enormous.