Well put Kabar.
The insurance industry are rent seekers, like most large organizations / corporations. They made their bed and we shall see what that will lead to.
If we start to see “Pay for service” start to take hold with Doctors, this will lead to some interesting developments in the Hospitals. Eliminations, bankruptcies, mini surgery centers? This could inadvertently lead to a Capitalist medical revolution
Yep, the marketplace will develop its own healthcare delivery system. We will have two tiered system--one for those who have the money to afford it and another for the great unwashed. In terms of quality the former will be far superior to the latter.