I mostly agree, but Doctors get paid a lot too. We let the American Medical Association artificially limit the number of doctors in order to keep their salarie

I mostly agree, but Doctors get paid a lot too. We let the American Medical Association artificially limit the number of doctors in order to keep their salaries up (which has the side effect of over-working the doctors). The costs you mentioned are the primary ones, but doctors salaries are a major contributor as well.