I've written several posts with substantiating studies showing that a major health care cost contributor of $600 billion is "defensive medicine" practices and I've blamed the lawyers for their $100 billion in fees from lawsuits! I WAS WRONG!!! The fault is the patient with health insurance! Which is 95% of US! The majority of us go along with the expert, "physician" and agree to further tests, etc. which the physician orders mostly out of fear of being wrong and not wanting to be sued even if he isn't! And the reason is "oh well my insurance will pay for it"! Stupidly we don't realize that ULTIMATELY WE PAY FOR IT! Stupidly because we say oh the insurance companies have money let them pay for it! Well DUH!!! Where do they get their money.. Premiums! Stupidly we don't KNOW that audits show the average insurance company pays out 80% of premiums in claims! Stupidly we think the companies just reduce their profits if claims increase! WRONG! They raise the premiums and as a result the companies profits AFTER deducting 80% in claims, 16% in operating expenses leaves ave. of 4% in profits after which paying 20% federal taxes leaves 3.2% most distributed in taxable dividends! BUT THE POINT IS WE STILL PAY! Even if we have employer insurance we pay! Why do you think wages have stagnated? Employee costs have gone up including insurance! Unemployment taxes go up with unemployment and who ultimately pays ..WE DO! I have a solution!