Friend, that's my point. There is nothing capitalistic about over-regulating. You're right that something needs to be done about the US's current health system setup, but you're misguided if you think that the problem is insurers trying to make a profit. The problem is coming from government. When they regulate, 1 of 2 things will end up happening; 1) either the insurer will have to raise cost in order to stay afloat due to the extra finances it is forced to do by law, or 2) it will sink and the insurer goes out of business and the consumer is left with fewer and fewer options. I know as a Communist you are anti-Capitalism. As a Libertarian, I am pro-Capitalism. But capitalism is not doing its job when cronyism is taking place and regulation is being enforced upon the business AND the consumer (remember, this hurts the people too). The only way an insurer can make a profit is if they can make the consumer happy. However, with all of the regulations that have been springing up and the third party payer system taking place since the 70s, this ends up costing the consumer more. This was not at the choice of the insurer--this was at the enforcement of the government. Keep in mind, Germany doesn't have a third party payer system either. Also, their market is less regulated AND their capital isn't even as inflated. To make the comparison, we have to evaluate A, B, C, D, E, F, G, etc...not just A and B. My concern is the health of the people. People deserve fast, affordable, and valuable health care. Socialized health care may have good intentions, but it has bad outcomes. Something is eventually going to be compromised--even is economies that seem more stable. I'm not trying to put on airs, but I've put in study time of Communist economics along with the Chicago School of Economics, Keynesian economics, and Austrian Economics. The most efficient way to bring value up and costs down surprisingly is Austrian Economics as every activity deflates the dollar which lowers costs. Not only that, but is reduces the risk of monopolies. The least effective way is Communist economics. Most people like me are opponents of Keynesian Economics which is a lot of Govt. involvement but a little private enterprise. The reason why most people don't even get close to Communist economics is because even Keynesian recognize the immorality of Communism. I'm not trying to be rude--I'm only trying to present the facts. Also...did we get off topic?