I honestly do not see a need for insurance companies, having a third person in the doctors’ office often impacts the kind of care one receives and an unnecessary stress on the patient. Often we are wondering is the insurance going to cover this or how about when the insurance company screws up the paper work. I remember once I ran into a dentist office, a place I had been many times before, with an abscessed tooth. Well after the x-ray and waiting for the doctor to start the procedure of removing the tooth he came in and told me that my insurance was cancelled and he could not remove the tooth. Yes he made me get out of the chair and leave his office. On top of it he was annoyed that he had already taken the x-rays and questioned me about payment for them. Why, was my insurance cancelled? A misplaced form.
The free market is good for electronics and clothing, but not our healthcare. I consider practicing medicine to be like teaching; you get into the profession because you want to help people, not get rich. I am not saying doctors shouldn't have a decent life, but why should their expectations be to live extravagantly.