What needs to happen is government needs to stop subsidizing and requiring employers to provide healthcare insurance for their employees. The current system provides people with no incentive to shop for value and thus price competition is all but eliminated from the market. The current system does however provide a huge instinctive for hospitals to mark up their prices as they know insurance companies will pay them. Not only that but due to the ability of hospitals to make insurance companies pay doctors will make sure to provide wasteful defensive medicine, so they can get even more money. What needs to happen is that people need to pay in full for their own treatment, so doctors are forced to be upfront and honest in their pricing.