I remember when my ENT man told me he had sold his practice. He had complained a few times before how malpractice insurance was killing him. I could appreciate this as I, as a nurse, also have to carry a hefty malpractice insurance package. A lot of this would be unnecessary if this country wasn't so quick to sue us professionals, for every death or mistake made that clearly was not the fault of either a doctor or nurse. Judges do not bother to examine these cases thoroughly before deciding to hear them, and the result is heaps of money being wasted.
Really, it begins at the root of education required to become a doctor. A four-year pre-med course is not necessary at all. Yes, I can see 2 years with an Associate's degree and then a 4 year medical school education. It does not stop there, as next are several years of residency for physicians in their chosen discipline. Tons of money are spent getting to this point on the part of the doctor. Nurses do not have it much easier, but for a couple of years.
Next, is the government's requisite levels in order to obtain licensure to practice our profession. Also costs money.
It is considered by prospective patients that our fees are outrageously high due to moneys we've spent on education. Not so. Insurance companies charge us an arm and a leg to protect us against many frivolous law suit. These same companies charge would be patients high premiums to pay for medical and hospital fees. Hospitals are also burdened with enormous insurance premiums.
Pharmacy costs and the usage of modern medical appliances whether owned or rented render a patient's wallet empty. Those huge and small machines, etc. we need for patients also have to be insured.
All in all, insurance companies are the only ones, besides big pharma getting rich off the patient. Cleveland Clinic has a pretty decent program in addressing all these issues, as patients pay only what they can afford, regardless. All medical personnel are salaried with full benefits. But, unless this country comes up with a one payer system, or adopt a system along the lines of Cleveland Clinic, and judges refusing to hear those cases that shouldn't be, this country will continue to lag behind in proper care.
Modernize the entire system, get rid of government interference in deciding who is suffer from which condition or disease, and place insurance companies in a position of justifying each and every cost. There is far more to consider in all this, but just a basic suggestion.