Physicians enjoy a year-end rush

Physicians enjoy a year-end rush
This show the failure of high deductibles.
Managed Care through the HMO model failed. High deductibles are failing too. This article shows how this wastes resources as well as how it punishes the sick and poor. This year end rush is like getting a government grant and doing a year end spending spree because of the use it or lose it way the grant works. Take the insurance company model out of health care and we can fix this mess. Create one single source of payment and provide universal access to health care without all the managing and blaming patients or docs for overuse and we can avoid all the waste in our system today - saving 30% which will allow universal access.