Current health care system is inefficient

Does not matter from which angle one looks at the current American health care system - there are inefficiency everywhere.

Private health care insurance
Most of Americans have health care insurance from a private health care insurance provider. For one, these insurance companies have an estimated overhead of about 30%. This, of course, is in addition to their clearly expressed interest at turning a profit for their shareholders. This means that 30 cents of every dollar spent for "health care" is not going to health care, but to bloated bureaucracy of these insurance companies.

The sheer number of these insurance companies and different insurance plans allow some doctors to play a game of opting out insurance, especially if their services are supplementary. For example, a patient may go for a surgery or other procedure with a doctor with whom the patient verified patient's health care plan participation. Yet, an anesthesiologist included on a procedure may not participate in the plan. Or a doctor may send the patient's sample to a lab that does not participate in the patient's plan. Or a result of a study at a participating health care facility is sent to a doctor who does not participate in a plan. And so on... All of these result in a substantial fee to a patient, who thought that his/her insurance covers the procedure in full.

Government programs
Older Americans are covered by the Federal Medicare program. This and state-sponsored Medicaid program are rife with fraud. On one side, both programs grossly underpay the doctors. So, some doctors may feel entitled to inflate the amount of service delivered in order to come out even. However, a cottage industry exist that engages in an incredible amount of fraud selling all kind of junk to elderly and billing government sponsored programs top dollars for it. Clearly, no enough funds are spent by the federal and local governments to effectively combat fraud.

Uninsured
Uninsured Americans usually obtain medical help through emergency health care facilities. The cost of such service is significantly higher that provided by non-emergency facility. The cost of these services is normally transferred to the taxpayers. Thus, in essence, the cost of uninsured is covered by all Americans.