I upvoted the article because it raises some important points about how people respond to incentives in the current health-care financing system in the United S

I upvoted the article because it raises some important points about how people respond to incentives in the current health-care financing system in the United States, with a prediction of expected results under the Affordable Care Act as the act is implemented. The kind of comments I'd be delighted to hear from other HN participants is comments about what can be done about this. On my part, I was just doing some Web searches for patient guides about how to select treatments and when to get second opinions. Regardless of how health care is paid for, patients sometimes need guidance about how to choose physicians, and how to choose treatments. (I know this for sure because my family lived in Taiwan for almost three years under Taiwan's single-payer national health insurance system, and we still had to decide which doctor to visit--we had choice in that matter--and whether or not to follow the doctor's treatment recommendation, which we sometimes followed and sometimes did not.) I'll keep looking for a user-friendly guide like that online, and if someone else commenting here can link to one, I'll be very grateful for that.