There are some good points in this article, but it glosses over the ineffectiveness of early 20th century medicine.<p>Insurance pays for medical treatments that are helpful, and pays for medical treatments that make the patients' conditions worse. Doctors don't have to care too much about the effectiveness of what they promote because they get paid anyways.<p>The formation of the Medical Guild (1845 -> 1935) is at the root of the world's healthcare problem. Modern doctors don't appreciate the corruption at the foundation of the modern medical era.