Health care's problem . . .

. . . is cost, not insurance.

Item:

Doctors’ charges — and the incentives they reflect — are a major factor in the nation’s $2.7 trillion medical bill. Payments to doctors in the United States, who make far more than their counterparts in other developed countries, account for 20 percent of American health care expenses, second only to hospital costs.

Well, duh. Still the NYT story, focusing on specialists and the absurdity of their charges, is worth reading.