I was talking to a friend of mine who i used to work with occasionally when I was in the financial adviser and insurance biz. he sold health insurance, I didn't so I would refer people to him. I asked him if he thought a simple change of procedure in medical billing would save money. If we as the insured actually submitted our claim forms to our own insurance companies just like we do with auto, home, disability insurance etc, not only would we know what our medical care actually costs thereby allowing the consumer (us) to apply market forces to health care, but we would also allow doctors and hospitals to get rid of the huge number of people they employ for the sole purpose of billing insurance companies. These folks do nothing for our health care or the upkeep of the hospitals etc. Get rid of them. But I am absolutely positive that no one would want to do this because it would mean actually taking responsibility for themselves and we can't have that can we?