I agree. You do have players like Kaiser that show success on vertical integrations, but that is a slow business. The core key to achieve this is to separate i

I agree. You do have players like Kaiser that show success on vertical integrations, but that is a slow business. The core key to achieve this is to separate insurance from the employer, and make health services truly compete with each other. Most people would probably end up with High deductible plans, and they will be very price sensitive to basic care costs.