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I'm referring to what are the out of pocket costs a physician pays in malpractice insurance -- the cost they pay, even if a lawsuit is not brought against them.

Not the cost of actual malpractice lawsuits

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If there is at least a bit of competition in malpractice insurance "the out of pocket costs a physician pays in malpractice insurance -- the cost they pay, even if a lawsuit is not brought against them" and "the cost of actual malpractice lawsuits" should be fairly close on average.

And my quote states "malpractice insurance".

> That puts litigation costs and malpractice insurance at 1 to 1.5 percent of total medical costs.

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