My parents use a shocking amount of healthcare services, considering that they are pretty normal 70-somethings. My dad has well managed diabetes and blood pressure, and my mom is pre-diabetic and has a bad knee, but that's about it. Their parents all made it to their 80s without modern medical care in Bangladesh. My kids don't use any healthcare services, but we're always been offered services. My younger one has low muscle tone, and we could get physical therapy for that. We had a (free) county evaluation for his speech delay. The evaluator said something along the lines of "we could give him a diagnosis so he could get services in public school, but since you send him to private school it's not worth it."

I'm not saying this is unnecessary, nor am I qualified to do so. My point is that we seem to be getting a lot more healthcare than was typical when I was a kid. So it's unsurprising premiums have skyrocketed.