Here's a unique concept.
People pay for their own health insurance.
You know, sorta like, people paying for car insurance, home insurance, life insurance, renter insurance, short term or long term disability insurance...etc.
I know. Radical concept in today's socialistic USA.
"Here's a unique concept. People pay for their own health insurance."
I agree! When people are forced to foot their own bills, they will be more prudent in their spending. In addition, they will shop for the best value for the least cost.
In addition to your idea, let's add tort reform. Doctors are in the position to over test in order to have documentation for litigation. This must be a major factor in the cost of health care.