"Better" Health Care?

Am I the only person in America who can see that the third party-payer system is the cause of high health care cost?

When people paid their own medical bills, health care cost a lot less. After employer paid insurance, Medicare and Medicaid became popular, health care cost sky-rocketed.

If you are going to get something at another person's expense, what incentive do you or the seller has, not to get the most expensive thing?

Why should not health care be run like an insurance? Why should it not charge a premium based on risk factor? In our 30 years' marriage, my husband and I have never been sick. You can say we are lucky. But, more importantly, we live a healthy life style. I cannot imagine paying $12k a year for...