> Dana wrote:
> the list price is *higher* without the middleman, not the usual market
> situation. Pricing is totally amok in fact, in large part because of the
> dysfunctional way the insurance companies measure risk.

Hmm.  I'm not sure I totally understand what your saying.

I agree that:

* pricing is run amok,

* the market for medical products and services is between insurance
(public and private) and providers, and

* Risk is not calculated on the population as a whole due to the
employer group risk pools.

Is that what you're saying?

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