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Private health insurance costs and their steady rise may well be related to the large jump in hospital and doctor's visits reported this week by the U.S. Centers for Disease Control and Prevention.

At Scientific American, the study reveals a 20% jump in such visits, alongside a similar rise in the prescription of medications like antidepressants.

Why such a big surge? Scientific American suggests that the aging of the baby boomers is leading to a large demand for doctors, medications, and yes, private health insurance to cover the costs not included in employer coverage or Medicare.

Others suggest that the intense advertisement of prescriptions drugs by pharmaceutical giants leads more consumers and doctors to ask for such medications. Furthermore, the rising tide of obesity has also been blamed, since everything from cancer, to diabetes, to heart disease has been linked to being overweight.

Regardless, it's clear that supply and demand go hand-in-hand, proving that private health insurance costs are related more to the market, and less to the demands of greedy insurance agencies.