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" ... In order to recast this false view of healthcare, a recoupling of the consumer of healthcare with the provider and a delimited role of third party payers would form the basis of an ideal system. In such a system, health insurance would be utilized solely for catastrophic health events for the majority of individuals (e.g., major surgeries, chemotherapy, long hospitalizations, etc.), and routine healthcare transactions would be between provider and patient. This devolution of power back to the two transacting parties would result in increased physician autonomy, patient empowerment, and a drop in the prices charged for healthcare services as the absence of a third party would eliminate much overhead while allowing more flexibility in price structure. ... "