Who would go into a business where 15% to 25% of gross revenue is lost out the back end? Medicare is worse but commercial is almost as bad. The beneficiary model of health insurance is broken. No regulation the government is selling at either the Federal or State level is fixing or will fix this situation. Only market reforms that re-connect health care buyers to health care sellers, that re-establish supply and demand based pricing directly between market participants, that remove government regulation and payment systems from the entire process, and that stop empowering third parties to distort the health care transaction, can fix this market.