My comment makes perfect sense.  There are ways to avoid the grocery store providing the service when you talk of grocery stores.  I'd like to see the average person pay for that $250,000+ kidney transplant they shopped around for.

The insurance industry is an unnecessary middle man that's profit driven.  The medical system is not standardized.  It could easily be replaced with a non-profit, standardized, cost controlled system that's much more affordable and accessible for all.