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A couple of the issues that do not seem to be raised very often when considering where the medical system appears to break down in consideration to the Free Market, or Smith's invisible hand are the control of government and the third party payer system. Having been in the medical insurance industry for about 10 years, during which the Clintons changed the face of the industry, I have followed the further destruction of this industry first hand with the passing of laws and the regulation of government and the third party payer system.

Basic economic theory (101) teaches us that a third party payer system does damage to the free market system, and health insurance is no exemption. Behind this is HCFA (The Health Care Financing Administration) who has created a coding system that places a time element on codes. For instance, a code that represents a 15 minute visit vs. a code that represents an hour long visit (comprehensive). Each of these codes is assessed a dollar amount limitation according to the financial demographics of the area of the country that is services by each insurance carrier. The agreements they have with the physicians states that a physician cannot charge above this dollar amount for the given service or they will need to hold the patient harmless for the additional charges, or write them off in other words. This not only restricts the amount of time the physician is able to spend with each patient, but removes much of the financial incentive to being a dr. (this is just a small example of a larger problem).

In addition I have watched as politicians who know nothing about health care pass laws that are ludicrous. For instance, it is required by law for every policy to have a maternity benefit, even if you are a man, or past the age of bearing children, and so everybody who has a policy pays for this "right." Under the old cafeteria plans a person could pay for what they wanted and leave the rest out.

I guess the moral of the story is that our healthcare system is being held somewhat hostage under the current way of doing business because it is over regulated and crippled by a third party payer system that dictates what can and can't be done, as well as removing much of the incentive for being in healthcare. Over the last few years I have had more than one Dr friend leave the profession for these reasons. If we continue down this road free market theory tells us that smart people who would have gone into medicine will go elsewhere because the incentives are greater. If we want to make the healthcare system better we need to remove the burden of regulations, restore the incentives, eliminate the third party payer system (as it now exists) and allow the market to work to set prices. I can say this because I am not currently seeking any votes or running for any offices.

Now, can anybody say Hillary-care?