How many of you remember the good old days when you only had insurance for hospitalization? Went to the doctor and he charged you for the visit and you paid for it. If you needed to you paid part now and part later after payday. All meds were paid for out of pocket instead of co-pay. You cannot convince me that the change in payment system did not have anything to do with the increase in charges. If my insurance did not charge an arm and leg I still would not mind to pay the doctor for each visit provided it was reasonable------say 50.00 a visit. Bet the doctor would not have to hire so many people to handle all the paperwork involved in the billing process and might even end up better off. I also would not mind paying for my meds if they stuck to the old school drugs that are proven over and over to work and at least we actually know what kind of side effects we might expect. Those old drugs are cheap and most can afford them even today. It is the new ones that are so expensive.