The formula for excessive Healthcare spending:
Most healthcare $$ resources tied up in premiums/billing cycle + lack of price transparency + Patients chasing benefits + Doctors chasing billing codes + No incentives to care about costs + Small Direct Pay market + Treatment Bias + Defensive Medicine + Unwise public policy and tax laws =
EXCESSIVELY HIGH SPENDING with low health value and low economic value.
Learn it. Affect change where you can. Pass it on.