Agreed on all counts. If you're interested you might want to google "Consumer Driven Healthcare". Its primary advocate is a UVA prof named Regina Herzlinger, who makes a strong case for returning market dynamics to the field, and lays out proposed steps for doing so. Famed Harvard business guru Michael Porter and many others are also on board.
Interesting, I'll check it out, thanks.
I spend some time around Charlottesville, anyway.