We also need to turn health insurance, for the most part, into something like a 401K. People need to have a personal stake in going to the doctor. Got the sniffles? Gonna cost ya to waste the doctor's time, not gonna be able to bill it to some generic company and forget it. Health has been missing the real free market for too long, which is why costs have skyrocketed.
Yes, there cannot be a free visit to the doctor, must be some sort of payment, even if small, to keep out all those crazies who clog up ER's with stubbed toes and hangnails.