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I agree with much of this. Under the current climate, how does that happen exactly?
I don't have the answer. I can tell you the insurance companies are so entrenched in Washington DC that unless there is a nationwide patient/consumer revolt, they will remain entrenched. Also, Obamacare is putting them out of business slowly, but with the goal of socializing healthcare. We want the insurance companies to die, while preventing socialized healthcare.
Another critical step is tort reform. That would cut the cost of medical care 50-75% overnight. No more needed tests, imaging, exams, admissions purely for "cover your ass" medical reasons. To those of you in practice, be honest with yourself and ask you what % of the tests or admissions or meds you ordered today were basically for CYA purposes...its HUGE.
In America, we practice medicine for the lawyers, NOT for the patients. Its very sad.