Unfortunately, health insurance costs have been going up enormously for the last 20+ years. That's not really the governments fault. It's the profit factor in health insurance. Before Reagan pushed for and got for profit health insurers, the insurance was far more stable in price than it is now. Insurers want to impress investors, so costs rise and claims or requests for certification of certain health procedures are denied.
I know that is a very simplistic view of the issue, and that there are many other factors - such as an aging population that lives longer and, unfortunately, sicker. I, too, have a high deductible policy and the out of pocket costs rise each year. But, as I said, that's been going on for 20+ years.
Costs for medical school are ridiculously high, and it takes a long time to pay off the loans.