I've stated in comments for some time that when it comes to controlling healthcare costs, it's not convincing to me that changing the way you pay is a substantial root-cause issue. I think the fundamental issue is what's being ordered up by doctors.
When you're at a restaurant, it's what you order that determines the bill, not how you pay it. And when it comes to healthcare, it's doctors who do the ordering.
Imagine you go to a restaurant with your friends. This restaurant has a special "monthly billing" program. You eat together, and once a month then get the bill and split it proportionally because you've used "restaurant insurance". Unfortunately, a couple of people have items that are 10x or 100x higher than the other people, and the items were ordered by the waiter! When you get the bill at the end of the month, you blame the cashier!
Why are some items so expensive?
The NY times had a fascinating article on this very subject tuesday. It studied the costs of therapy for one of the most common cancers in men - Prostate cancer.
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