I would say the problem could also be treated with less regulation, or to be more accurate, less litigation. Amounts to the same thing in the end, I suppose.

I would say the problem could also be treated with less regulation, or to be more accurate, less litigation. Amounts to the same thing in the end, I suppose. You could fix a lot of the damage by switching insurance from a gambling basis to a contractual basis. Health insurance would be a contract between an individual and a corporation wherein the individual pays little to nothing if he remains healthy, but enters into a mortgage based on the cost of the healthcare should he require it. The maximum value of the mortgage could be assessed by the insurance company similarly to assessments for premiums, and related to the individual's total income, savings, and property. Paying a traditional monthly premium would boost the person's maximum mortgage. The current system operates counter to both private and public paradigms, as it does not encourage consumers to seek the best value for their money nor eliminate the pursuit of profit by service providers. It is a MASSIVE example of the prisoner's dilemma, where each agent is motivated toward actions detrimental to the structure as a whole.