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If you want to fix Obamacare and medical insurance, you first need to force transparent pricing that is the same for everybody! Here’s my latest labwork bill after a general exam. The “list price” was $1225.98 but because this was an in-network lab, the price was reduced by $1133.68. That left $67.30 for the insurance company to pay and $25 for me to pay. In other words, the insurance company’s rate was only 7.5% of the retail price! One shouldn’t have to be insured to get that price; uninsured cash-paying customers should get the same price. That would bring competition into the market and cut out the middleman, making it practical to self-insure for routine care, and just have lower cost catastrophic insurance for serious issues.

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