There are only 3 parties - caregivers, patients, and insurers.

OK, but you've included a lot of stuff in "caregivers" apart from doctors and nurses. You'd need to include ambulance services, hospital/hotel owners, pharmaceutical manufacturers and wholesalers, equipment suppliers, sterile supply suppliers... sheesh, there's a lot of stuff bundled into that innocuous term. ;-)

>>Yes, insurers are skimming, but a whole lot of people are covered by Medicare and Medicaid, which are non-profit.

Agreed, but if the cost of care is high then the cost of care is high whether the funder is non-profit or not. Theoretically, insurer dividends are another layer on top.

>>The AMA has done a great job of vilifying trial lawyers for the incompetence of its own members who routinely put people at serious risk for cosmetic improvements.

Is that all trial lawyers do? OK... except that Texas lost its ability to provide specialist obstetric care through most of the state and had to impose limits on litigation to get providers back. I'm not sure obstetricians perform many cosmetic procedures: the problem was that if an obstetrician faces a 1 in 3 chance of being sued every year, you're better off practicing in a place with fewer moochers- because this is driven by the lawyers, not by the patients.

>>Unless you can find someone else, that only leaves one group that is skimming most of the cash, John.

Alas, not just one group- surely you split the pharmaceutical suppliers from the nurses who dispense the meds to patients?