Health insurance in the US is a large, complicated mess. OTOH, hospitals and healthcare providers are also a large, complicated mess. In my opinion they are som

Health insurance in the US is a large, complicated mess. OTOH, hospitals and healthcare providers are also a large, complicated mess. In my opinion they are somewhat codependent and, in many cases, fighting for the same dollars. That is, I suspect any dollars you save on insurance will be eaten up by increasing money spent on providers and vice versa. I think the author made the right choice to leave these lumped together. It would be interesting to see how these costs confound over time but would make this article even longer.