[merpnderp]

For most people it is actually a forth party pays. There's the traditional three party insurance system, but for most people there's also the forth, their employer. So not only is the receiver of medical care removed from any price sensitivity by their insurer, they're removed from much of the insurance price sensitivity by their employer.

Removing the ridiculous system of employers paying for health care and instead just paying people the money (come on, FDR's WWII salary fixing has been over for 70 years, yet its harm continues).