Our increasingly sedentary lifestyles are partly to blame for the Managed Care fiasco, too. My lifestyle is sedentary, so count me in as well.
People are less active than in previous generations. Many of us smoke, overeat, avoid exercise, and fail to comply with healthcare regimens. Since the population of unhealthy, chronically ill people started exploding in the 1980s, the insurance companies responded in a way that would minimize their monetary losses. Hence, managed care arose.
Although I work in elder care, many of my nursing home residents are middle-aged people from the Baby Boomer generation. I've got people in their 40s, 50s, and early 60s who have had strokes, heart attacks, and complications of uncontrolled diabetes such as blindness, limb amputations, nerve pain, and renal failure requiring dialysis.
The "hard living" of certain members of the population has resulted in a "hard line" approach by the insurance companies.