Healthcare is certainly a pillar if not the largest pillar of affordability since it consumes about 18% of GDP. In the last analysis, government and employer subsidies come from the public writ large, and since we spend at least 5% of GDP too much for the healthcare we're getting, it is a key/cornerstone of affordability. Because of the way we pay for it, far too much of that cost is hidden for most of us, which makes it harder to generate the political urgency necessary to radically improve our system.