http://www.washingtonpost.com/wp-dyn/content/article/2009/11...
Incidentally, last time we did a study to measure it, we found that at least 30% of health care consumed by patients is unnecessary.
http://en.wikipedia.org/wiki/RAND_Health_Insurance_Experimen...
The conclusion of the study is that health care you are unwilling to pay for out of pocket doesn't help more than it harms (on average).
A specific example of care people don't need but will get: mammograms. They are pointless (benefits don't outweigh harms) for people under 50. I mentioned this to a few women I know, but all said they intend to continue getting them.
[wow, down to -1 in 20 minutes from citing an expert opinion and an experiment. I should go back to reddit.]