In this article the author made an important observation: 3rd party pay system caused the healthcare inflation. that includes all the private insurance on the market today. Instead of requiring everyone to have insurance, government should make health insurance with a deductible less than $20,000 illegal. That is only way to remove 3rd party pay system. The author's intention is to criticize Obamacare, but the system before Obamacare wasn't working, and the author knows that.