Doug: This is all looking at the whole thing #$%$-backwards...Healthcare has a cost, and someone is going to pay it. And that someone is ultimately the same someone no matter how it goes. Either the insurance companies pay for it, and then p#$%$ the cost down to the insured through premiums....or the government pays for it, and p#$%$es the cost down to the taxpayer.Insurance doesnt magically make healthcare appear out of thin air. If you want to lower the cost of healthcare, you have to lower the cost of HEALTHCARE, not just health INSURANCE.We need to simplify insurance regulations so health insurance can work like every other insurance, with simple-to-understand policies that pay out hospitals like your car insurance pays out a body shop...not these convoluted accounting practices that charge $4,000 for gauze because they're price-controlled everywhere else. And that needs to start with overhauling Medicaid, because that's the worst offender in terms of decoupling prices with services in healthcare, and it really sets the tone for the rest of the insurance industry.Then we need to change the regulation to allow for easier access to routine medical care...open up how much healthcare workers like nurse-practitioners are able to practice legally, so they can provide simple services at a much cheaper cost than a full MD, and definitely cheaper than the many people using the ER as their GP.