While I agree with the authors that there is a great need to infuse values into health care utilization, there are several insurmountable flaws in the logic that consumer-driven health care will resolve this.
(1) With the current employer-based system there is too much transience for commitment to occur between the payers and insured.
(2) Our society believes that even the slightest margin of benefit, regardless of cost, should be pursued. The last decade has shown that payers cannot control this effectively and maintain public image. Perhaps it should not be a role left up to the payers. If faced with not providing the newest cancer treatment, regardless of efficacy, versus
cutting back on proven but high-utilization and costly prevention, prevention loses. And no one will appear to die because of it, unlike the cancer patient.
(3) Perverse universal access -- the governments (state, federal, and local) pay for 40-plus percent of all health care. The ultimate universal access in our society is through hospitals. There is a convoluted system of shifting dollars to cover the "uninsured" and poorly reimbursing. The payers pay dearly for this. Consumer-driven health care
does little to nothing to address this access. While we revile bureaucracy, our convoluted health care financing is just that.
We need to make sense of our paradox, spending the most money per capita in the world with only marginal outcomes.