Why do you think some things are right for boys, and others for girls? Do you not value individualism? Do you not allow that not all boys are the same, nor are all girls?
There are a number of problems with the medical industry and why it costs so dammed much. One of the problems is that doctors are viewed (to some degree or another) as these uniquely special almost god-like beings whose services and costs are largely shielded from free-market forces. There’s also the time and costs of educating people to be a doctor.
I completely agree with you. For example I don’t need insurance to see a doctor if I have a cold. I should be able to contact three or four doctors office’s and ask “how much for such and such services” and then decide who I want to go to. As it is now the medical industry is shielded from those types of free market forces.