The majority of medical care and expenses are not emergency.

Medicine is one of the most regulated and least capitalist markets.

Hint it has - the standard of living is far higher now; medical care is far better; and the number of people subsidized by those working has greatly increased (this may not be considered a benefit, but it's where the extra income is going).

Why? to increase productivity and improve the human condition. If AI can do research then technological and scientific progress will increase dramatically.