Yes, its obviously time to introduce market incentives back into the process, and take the government ones out.
My mom used to pay for our Dr visits with her checkbook at the reception desk. We need to go back to the future.
If you eliminated insurance coverage and made health care a pay as you go system the medical system would have to take a wicked hit on fees. Imagine the adjustment that the medical and pharmaceutical companies would have to make if they did not have insurance companies able to guarantee their fees.