The problem with third party insurance payers, government or private, is that people don't understand the actual costs of goods and services. This breaks the fr

The problem with third party insurance payers, government or private, is that people don't understand the actual costs of goods and services. This breaks the free market. It would be best to have people directly pay medical providers and drug makers, then maybe be reimbursed by insurance. This would help confront the biggest problem: the AMA limits the number of new doctors each year, thus driving costs up astronomically and making it very hard to see a doctor.