Health care spending is a major problem in ournation. But just whose fault is it?

Part of the driving force behind health cost inflation is poorconsumerism. If you dent your car and figure the repair cost willbe around $1,500, you're likely to run out to three garages and getbids.

You'll probably check the consumer rankings of thegarages—assuming you don't already know about them from friends—andchoose a bid to accept. Yet when your doctor says you need kneesurgery that will cost around $15,000, you just check in towhatever hospital you go to and go under the knife without thinkingabout whether the hospital a couple of miles away might be lessexpensive, provide better care, or both.

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