I have on a few occasions floated the idea of making it illegal to insure more than 90% (say) of procedure costs -- there would always be a mandatory 10% copayment. No one I mentioned this to ever seemed to understand the point. I don't know that the proposal is actually workable, but I think you can see where I'm coming from. If patients had to know all the prices because they had to pay some fraction of them, the whole system would look very different.
I have on a few occasions floated the idea of making it illegal to insure more than 90% (say) of procedure costs -- there would always be a mandatory 10% copayment. No one I mentioned this to ever seemed to understand the point. I don't know that the proposal is actually workable, but I think you can see where I'm coming from. If patients had to know all the prices because they had to pay some fraction of them, the whole system would look very different.