[BryanBeshore]

I'm referring to what are the out of pocket costs a physician pays in malpractice insurance -- the cost they pay, even if a lawsuit is not brought against them.

Not the cost of actual malpractice lawsuits

[germanier]

If there is at least a bit of competition in malpractice insurance "the out of pocket costs a physician pays in malpractice insurance -- the cost they pay, even if a lawsuit is not brought against them" and "the cost of actual malpractice lawsuits" should be fairly close on average.

[ceejayoz]

And my quote states "malpractice insurance".

> That puts litigation costs and malpractice insurance at 1 to 1.5 percent of total medical costs.