I'd have to largely disagree. Though I like the thought in your comments that medical insurance should be not-for-profit (I'd prefer non-profit).
I think the largest problem is not lawyers, doctors leaving the field, or even malpractice insurance maximizing profit (though obviously that's a significant part). The legal aspect that the insurance companies would rather settle things quickly and quietly, than fight and win, since that produces less exposure, increased rates from the doctor, and likely less overall costs.
The largest factor appears to me to be that the doctors require insurance from patients, as cash patients pay higher rates (no negotiated discounts). In the meantime, insurance companies clamp down on repayments, refuse tests without excessive justification, and know that they're costs will be recompensed because the system is built with them inside.
To solve this, we need to find a way to build a system that doesn't have insurance as a requisite cost for everyone at every level.
p.s. PPO plans often do not have referrals necessary, in my limited experience. Depending on the number of doctors in your area, this might not help as you still can't get an appointment without a secondary doctor requesting it.
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I think the largest problem is not lawyers, doctors leaving the field, or even malpractice insurance maximizing profit (though obviously that's a significant part). The legal aspect that the insurance companies would rather settle things quickly and quietly, than fight and win, since that produces less exposure, increased rates from the doctor, and likely less overall costs.
The largest factor appears to me to be that the doctors require insurance from patients, as cash patients pay higher rates (no negotiated discounts). In the meantime, insurance companies clamp down on repayments, refuse tests without excessive justification, and know that they're costs will be recompensed because the system is built with them inside.
To solve this, we need to find a way to build a system that doesn't have insurance as a requisite cost for everyone at every level.
p.s. PPO plans often do not have referrals necessary, in my limited experience. Depending on the number of doctors in your area, this might not help as you still can't get an appointment without a secondary doctor requesting it.