> 
> 3 - The cost of doing business -- particularly the astronomical cost
> of malpractice insurance -- ensures that most doctors couldn't afford
> to charge less money, even if they wanted to.

just a little bit of information on this comment.  i don't know about
here in utah, but i know that in washington, many malpractice
companies have decided to no longer insure certain types of doctors,
regardless of the doctor's record, simply because the risk is too
high.  this came about because the state government refused to place a
cap on malpractice suits.
there was an article that i read discussing the fact that there are
very few neurosurgeons left in washington due to the fact that it is
almost impossible for a neurosurgeon to become insured.  there was
also an interview with a man who needed neurosurgery, but had to leave
the state to find the nearest neurosurgeon.
neurosurgeons have the highest insurance premiums, followed closely by
obstetricians...  both of these are very important professions in high
demand...  the malpractice insurance premiums that these doctors have
to pay are over the top, and are making it more difficult for them to
serve their patients effectively.
~Erin

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