Hyperbole isn't really going to help you. "Cost of production" includes R&D, too, so you're literally changing the argument.
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There's a clear difference; owning a car is a choice. Your health really isn't. It's entire possible for car insurance to price themselves out of the market and lower car ownership as a result. People will mortgage their houses to get the health care they need, though.
And no; what I'm saying is that the profit motive itself is the issue. Whether it's at the insurance level or the service-provision level.