The major reason we have high insurance costs in this country is because we have hgh use. Period. That is the single biggest problem. We have patients in their 20s, 30s and 40s that have chronic diseases that have never existed before in these age groups. Chronic disease contributes to an increase in consistent doctor visits, medication usage and hospitalizations. High use is expensive. I don't care if its free or not, its expensive. Its strictly numbers. If you want to cut the cost of healthcare in this country, its not the insurance you have to address, its the lifestyle of the American population.