The American healthcare industry is fascinating for a number of reasons. First, when insurance is involved you have the person seeking the service completely re

The American healthcare industry is fascinating for a number of reasons. First, when insurance is involved you have the person seeking the service completely removed from the person paying for it - which almost always will result in overconsumption. Then, you have life or death issues, which people won't apply their usual cost/benefit analysis. Do you need a new car? Depends, is it worth the added expense. Do you need brain surgery even if the chance of success is 4%? Will it possibly extend my life? Yes, no matter how much it costs.