"The 3rd party payment system is perhaps the most potent driver of runaway healthcare spending. Without any restraint on spending, largely because individuals are disconnected from the costs of their healthcare, patients routinely expect tests and procedures that may be unnecessary simply because someone else is paying the bill." This is BS. Believe me I have no urge to go to the doctor's office or hospital, and get poked, prodded, punctured, or sampled. I want my physician to have performed the tests deemed necessary to make a good diagnosis of my problem. And only those. I see the problem as a Hospital one. When I had a lithotrypsy for my kidney stones the hospital quoted me a fee of of $24,000. When the insurance paid them, it was $2400.