I despise ObamaCare but this I agree with. If everyone had a health savings account & had to buy their own designed policy, allowing across state lines provisions with just a few mandates & these lawyers were constrained premiums could be cut probably 40% with some significant co-pays & deductibles.
Doctors are also ordering too many tests because insurance companies require them for patients qualify for treatment coverage. If you don’t have your ‘ducks in a row’ with respect to your diagnostic workup, the insurance company will not authorize, deny payment, or worse, the Medicare auditors will find you and fine you.