I have thought and thought about this and I have to say that I agree. Right now though, I am ready to shake things up in the US healthcare system and anyone offering a different solution is worth a look. So I am looking at "Medicare for all". I am sick and tired of the current system. So lets try something different even though I would ideally like a free market system where the poor are covered by the Govt and the middle class and rich folks pay out of pocket for MOST things. The moment you remove middlemen like the mafia insurance and overheads like billing companies etc and allow doctors to work directly with patients, watch how prices drop. I guarantee. I mean I pay like $22,000/Year premium for a family of 4. So even if I don't go see a doctor all year, I have paid 22,000. Don't even get me started on deductibles, in/out network , co-pays and all that other crap. Instead, I would prefer going to a doctor and receiving say a $200 bill for a regular visit. np. pay out of pocket. If I don't like that, I go to google and compare prices across other similar practices.