Think about it, if health insurance was illegal hospitals/doctor's offices wouldn't charge outrageous amounts of money for relatively simple and easy proceedures. Since the majority of Americans have health insurance, health practices can change whatever they want since the insurance companies are paying most of the bill. The result is higher premiums/co-pays and a spiral that will eventually lead to unaffordable health care. We need a solution, such as 20 dollar clinics where the health institution only takes cash and no insurance, for one example. American health care is top of the line in the world, yet if nothing is done, no one will be able to afford it.