My thought is that we eliminate, for lack of a better term, lower tier healthcare services from being subject to insurance provider's menu of services that it negotiates with healthcare providers. In other words, fee for service for normal doctor visits for garden variety flu, colds, etc. I think you would see costs come down where insurance isn't involved in those "lower tier" health issues/illness. As the seriousness or type of illness escalates, then it moves into a different tier in which insurance is involved. Maybe a system of predominantly catastrophic care.
