>Dragan, believe me that the WTO is *not* the reason why healthcare is so expensive in the US. Some authorities estimate that well over half the cost is down to "process" including lawyering and its consequences such as a full barrage of tests any time somebody sees a physician with a headache. Try a "no fault" compensation scheme and see what happens to the costs. ;-)

I believe that the U.S. HMOs have that precaution inscried in law. I nderstand they *are* cheaper, but also even more restrictive in many areas.