Insurance plans are incredibly expensive because not only are you paying for legitimate health-care expenses, you are also paying for: * hospital administrator

Insurance plans are incredibly expensive because not only are you paying for legitimate health-care expenses, you are also paying for: * hospital administrators to interact with insurers * insurers employees/administration * ICD9/ICD10 coding overhead * and add 10% for the maximum legal profit health insurers are allowed to make I have to think that removal of those four elements from health insurance costs would result in significantly lower health care cost outlay in the US. Routine care can be cheap. We really only need coverage for catastrophic care - broken bones, herniated disc, acute injuries, etc., etc., and routine care benefits for those so impoverished as to not be able to afford it. IMO, of course.