Recently I got laser eye surgery to help my vision. This was not covered by my insurance. It also happened to be the simplest medical procedure/payment I ever had to interact with. They told me "this procedure will cost $X.XX and we have a discount we can offer you that will save you X%" I said okay and paid them the money.

Compare that to insurance being involved recently in my wife's diabetes supplies. My wife is a type 1 diabetic and needs supplies that monitor her blood sugar, we noticed her supplies didn't arrive on the scheduled date, we waited a week to see if they would show up and they didn't. My wife called the company that was supposed to send them, they said our account was in collections? Why, we never received a bill, we never were notified, but in collections we were. We eneded up paying and got that sorted out and waited another week, still no supplies. I'll cut it short and just say it took us 3 weeks being on the phone multiple times a day being bounced around between our insurance, the supplier and her dr, to finally get told we couldn't get the supplies because my wife had gotten a new phone and so the insurance company didn't have enough data to prove that she needed these supplies, and wouldn't reauthorize them. The drama is still ongoing.

Let's get this straight a huge part of the healthcare costs are directly related to insurance and the money and laws tied up in that. We need to get rid of insurance, and the way it works if we honestly want to make any change. Any other effort will only further entrench the confusopoly.