So, did you know, that it is impossible to bring out a new replacement hip, for example, unless you can prove to the FDA that it is a significant improvement on the hips already approved? So, by government regulation, we have prevention of better/cheaper/faster options. Everywhere you look, the cost is caused by the government - either through malice, ignorance, or in response to rent seeking by incumbents. I get a 50% discount on my pre-negotiated Blue Cross costs by paying the doctor in cash so he doesn't have to deal with the insurance company at any point. He's delighted because his costs are actually higher than that. Think about what that says. -C PS - I'm glad you think your situation will get better. Don't worry about paying back what you owe, it won't ever be required. Think about the votes that would cost.....