Anyway, to both of you--your insurance plan sounds like a dream. Enjoy it while it lasts, because it'll be gone before too much longer.
The real problem is hospitalization. The hospital you say you distrust is even more regulated than the docs. They have to buy the best to use on patients even when second-best would still do the job--it's the indirect results of litigiousness. If they don't buy the most expensive (a Ferrari instead of a Honda), they'll be in violation of standard of care and lined up for a lawsuit. This could be the easiest way to slow down costs--allow the hosptial some protection and discretion.
Medical savings accounts should be required of all employees--and all patients should educate themselves to pay for routine office visits. Then some catastrophic care insurance could more easily be worked out.
Enforce our immigration laws.
It's doable.
But it won't be done.