Hey the insurance companies and doctors are telling us how great the free market is in healthcare. Here is people looking at costs and options and deciding for themselves and paying completely on their own.
Btw my idea for the auto companies retiree healthcare costs was to do all the major procedures outside of the US. A lot of retired workers I think would actually be happy to get a paid for vacation to Thailand or India. Thailand is a long journey, but it looks like they have lots of well trained people.
Some insurance companies are beginning to offer totally free operations (no deductables or copays) if you go out of the country for the operation.