The problem is your incentives breed more bureaucracy and its exactly that bureaucracy that leads to higher costs and a system where nobody knows the price of a

The problem is your incentives breed more bureaucracy and its exactly that bureaucracy that leads to higher costs and a system where nobody knows the price of a procedure. Laws get passed with good intentions, but with bad overall outcomes on the system as you pile on more and more mandates. You have to back off from these requirements and let the market work. Imagine if anyone could get a MRI or a CAT scan or a blood draw anytime just by walking into a small private clinic in a strip mall. No requirements to go through a primary or a specialist, a registered nurse can and should be able to do this with minimal licensing. No insurance company forced to be involved. No over regulation mandating that "thou must do the following". Imagine next if health insurance was like car insurance, with companies blaring ads about how much you could save if you switched to them. No mandates that it must be employer provided. No hospitals being forced by law to fit the bill for the uninsured, thus driving up the cost for the insured. My point is you need to back off the list of mandated incentives and let the market do its thing. Then, once it appears that things are stable and there is healthy price competition, you can maybe pass a few laws to take care of the edge cases and bad actors.