when doctors say 'insurance' they mean their personal liability (malpractice) insurance.

One of the more conservative view points I've always kind of agreed with was tort law reform in medicine as it directly affects malpractice insurance. I know you can't put a dollar value on what someone's life might mean to a loved one but a structured formula to determine damages would work wonders to minimize malpractice costs. But I'd demand that in exchange for tort reform, the medical industry submit to the same reform where structured cost (and justification of those costs) become norm as that would lower health insurance cost.

But none of this will happen because of good ole American Greed.