Cost CAN be lowered without hurting advances. The fact remains that 90-95% of ALL R&D in healthcare is paid for already, (by taxpayers in the form of grants), and that the cost to buisness is extremely low. You aren’t paying for R&D in your premiums or medicine costs beacuse buisness has no costs in this area, what you ARE paying for is the next luxury yacht for executives or a European vacation while you struggle to make ends meet and get quality healthcare.

Cost will NEVER go down as long as insurance is holding the purse-strings and calculator. Until someone steps in and forces insurance to hold up their end of the buisness contract, (insurance IS a contract), and sets pricing guidelines, cost will never decline. Why should it? There is no incentive to lower costs for insurance. They won’t gop out of buisness because they hold a VITAL service which is required for a long and healthy-life.

Today you can live without a tv or cell phone, video games or even transportation BUT you cannot live without healthcare. Insurance groups know this and that is why they raise prices regardless of the lowering of actual costs. They routinely pass costs to the consumer and keep the savings to themselves. Premiums have NEVER gone down, only up. EVEN when their cost of buisness went down they didn’t pass savings or increase coverage. They reduced coverage and raised rates in order to raise their profits. (450% profits).