The analysis presented in this post has been updated to reflect this concern. I've completely removed the figure representing costs of palliative care from the analysis.

I guess that I tend to purchase things like anefrin (a nasal decongestant), cough drops, extra tissues, Benadryl, and cough expectorant/cough suppressant medicine when sufficiently sick, in addition to spending the time to get checked out at a clinic or doctor's office. I can see that this sort of behavior, and these sorts of costs, might not be common, especially among usually healthy young adults.