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The thing is, even if nobody price compares privately like looking at endless lists of procedures offered at x price, the mere existence of a price list would push prices down over time, maybe it’s because one of you and me look at the list or more likely there would spring up comparison sites that are easily searchable or for convenience listed as top x or something, if nothing else insurance companies would out of their own desire for profit create lists in order to pay out less. The thing with insurance though, if everyone has it (like Obamacare) nobody has it, because companies can simply charge whatever they’d like and due to it mostly not being your money you’re paying with you don’t really care about the price. Another major piece of legislation that I think messes it up a bit is that cross state insurance is illegal in the US thereby the insurance companies have less competitors and can charge more.

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