"Fun" isn't the right word, but ~hypochondriacs will get unnecessary care if they perceive it to be free. This adds cost to the system without improving outcomes.
Yes, and there is also an enormous amount of low-value or unnecessary care delivered which also doesn't improve outcomes (or even makes them worse). Depending on which estimate you believe this might be a quarter of all healthcare spending.
"Fun" isn't the right word, but ~hypochondriacs will get unnecessary care if they perceive it to be free. This adds cost to the system without improving outcomes.