https://www.nytimes.com/2019/09/13/upshot/surprise-billing-laws-ad-spending-doctor-patient-unity.html
Doctors have the most powerful trade union in the country, the AMA. They strictly limit their own competition by limiting university seats. Each doctor makes 5-10x more because of this and they are the true cause of the growing high health care costs in our country. Insurance companies are happy to be the bad guy, because they are simply a 10 percent layer on top of whatever the size doctors billings are. We must open up healthcare to competitors again if we want lower prices and better service.