please don't foist the entirety of this issue on insurance companies, the states and federal government dictate the paper work to be done and the coverage provided. it is damn easy to mandate paying for procedures when you don't have to pay for them.

California and Vermont found this out when both determined single payer options; read : the state; were not affordable without seriously curtailing care options. As in, when you tell people no it becomes affordable, when you bend over for every little thing it suddenly becomes what we have today.