Comment by nradov

Yes, part of the overall solution needs to be health plan transparency on clinical guidelines and coverage rules. Currently much of that is concealed, or applied unevenly.

But we're not going to eliminate misery from the healthcare system. Demand is effectively infinite, mainly from patients with complex conditions, and supply is finite. Developed countries with more socialized healthcare systems typically do a pretty good job of delivering basic primary care but things often fall apart when more complex or specialized care is needed. Those systems also ration and deny care but it tends to be through forcing patients to wait in long queues, or simply not offering expensive treatments at all. Like under the UK NHS, some prescription cancer drugs just aren't available. So that's a different form of misery.