infiltrate an area where they felt they could make money. It is asinine to assert that health insurance companies with all their support staff and overhead can be more efficient than first-level providers. If I really wanted to blame someone, I would blame lawyers first, government second, and insurance companies third. Lawyers in their attempts to generate business have caused multiple unnecessary tests to be performed as well as generating the demand for the equipment and specialist referrals. Government over regulation and Medicare and Medicaid have increased the amount of money within the system. It is similar to the effect that government money has had on the cost of education and the ability of for-profit schools to charge 100000 + for worthless degrees. Would people be paying that much if they were personally responsible? Would people go to emergency rooms for a cold if they had to pay for it? Yes, Obama capped the amount of profit that insurance companies can pay to their shareholders, but when one really examines the numbers and looks at what is really happening, it is a windfall for insurance companies. They wrote Obamacare. Now, they have found that the devil is in the details and when one makes a deal with the devil, he typically burns said person. One thing they didn't count on was Obama changing the rules multiple times in the middle of the game.