Personally, I believe health insurance (along with government regulation) has just about choked the health care industry to death.
There's a doctor in my area who has decided enough is enough. You can go to this doctor and pay $50 per month, directly to him, and get almost everything you need from him. Even lab work. If they have to outsource something, they do it at cost. They provide prescriptions at cost, some of them for free. I think kids are a slightly lower price per month.
No fighting with insurance companies over what's needed and what isn't. You and your doctor decide.
That's the kind of American innovation we need.
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