There should only be doctors, patients, and insurance companies.
For the indigent, a state run safety net. If states halve the public pension funds and give it to health care, they could cover all the needy.
How about capping every public pension to a maximum of the average household income in the county where they reside?
What am I saying, even that reasonable limit would be seen as too little of a ‘reward’ for ‘public service.’ Let the embezzlement of public funds continue unrestricted, saith the public employee.