Over-utilization is the concept that too much of something is being used, or utilized. As it applies to health care, over-utilization is another one of (way too) many behind-the-scenes reasons why health care costs are so out of control.

A big reason for this is that current benefits rich plans do little if anything to discourage usage. Low co-pays encourage people to go more often even when over the counter stuff would work as well. Fee for service in Medicare encourages extra visits so the docs can pay for their fine Lexus automobiles. And the list goes on.

Here’s an article from townhall.com that provides more details if you’re interested.