A recent “Investor’s Business Daily” article includes a great graph. Downward sloping, the graph represents health care spending by consumers. While aggregate spending skyrockets, individuals are paying less out of pocket.
http://www.investors.com/NewsAndAnalysis/Article.aspx?id=516427
You see where this is going and what we really need to solve.

Law of Downward Sloping Demand: When price decreases, consumers are willing and able to spend more. (And when prices rises, the opposite will ocur.)