A CPAP machines costs about 10x as much as it should, and a part of that is insurance companies wanting to make sure they are not paying for a device you are not using.
Which then increases the price, which makes insurance companies even more worried about them.
Then you are paternalism where only a Dr. is allowed to change the settings on the machine. So they lock them down, which adds even more to the cost.
And then they are prescription only, so they have to go through specialized distributors because heaven forbid someone actually buy one without a Dr. letting them.
The end result of all this is lots of people making money, and higher costs for the patient in the form of higher insurance premiums.