I think all this problem of health care in the US is very sad and I say that from the perspective of a nation who gets universal health care for a tax surcharge of 1.5% on the higher earners and I also have health insurance because to beat the waiting lists in public hospitals you have to. The key to the system is controlling and moderating doctors fees and the cost of pharmacy. There is some disincentive but doctors are still among the highest earners so they don't really lose out and no one is placed in a situation of not being able to afford care and having to pay extortinate charges up front for care