Why couldn't hospitals.. create a union... where they negotiate together for better drug prices, AND they ALSO become the insurer-- your primary hospital is your insurer--you pay them monthly to keep you healthy. They get recurring income from sick/healthy people alike, they get to control the costs...and they could set prices to be related to income...say 4% of income goes to healthcare... When someone travels to another hospital, their primary hospital picks up the bill...etc... I think costs could be a LOT lower because w/out insurance agencies there's more money for the hospital directly and being MRR the hospital can have a better idea of how much revenue they bring in on average per month.