What Impact Does Insurance Have On Supply And Demand In Health Care? 
Health insurance has a major impact on the economic forces of supply and demand . Even more so with the low deductible copay plans that are popular . Consumers are isolated from the true cost of health care when all they know is $ 20 copay 's . On average , consumers pay about 12 % of the total cost of their health care , the rest is paid by insurance carriers . This impacts utilization which not only drives up the cost of health care but the cost of health insurance as well . 