We need to move to a capitated payment system. The current fee for service system incentivizes everyone to consume more than necessary. Doctors prescribe more because they get paid more, insurance gets a fixed percentage of revenue as profit so they want to spend more too. The systems has evolved into tons of make work bs because as the amount of money sloshing around grows so does profit for everyone. Capitated payment encourages everyone to save money as profit is just the left overs after everyone is treated. If you spend less than the provider next door without outcomes suffering you make more money, so innovation is encouraged and waste eliminated. Also fixes the "insurance denying coverage" issue as all prescription decisions are made by the provider.