Sprechi di mercato

"The higher costs of private insurers are "mainly due to the extensive bureaucracy required to assess risk, rate premiums, design benefit packages and review, pay or refuse claims."

Krugman sugli sprechi del sistema sanitario statunitensi (The New York Times, 22 aprile 2005).

"Doctors must hire office personnel just to deal with the insurance companies" (e pagare costose assicurazioni loro stessi per eventuali "malpractice").

Ultimo,

"the costs go beyond wasted money. [...] medical costs act as a tax on employment.