You really want to reduce healthcare costs? Outlaw insurance, get Government out of the healthcare business, and let people pay the bills on their own. After the riots finally die down, everything will be a lot cheaper. Really.
Exactly right. The third party payer system disconnects consumers from the consequences of their healthcare decisions, and thus results in unnecessary healthcare. Make them pay directly, and they will make market-driven choices.
You are partially correct. Whenever the government and the unions enter any type of organization the costs skyrocket. Look at the tuitions now asked by our educations institutions.