Maybe we can start talking about the government's role in consumer protection.

Congressional investigators said Wednesday two-thirds of the U.S. health insurance industry used a faulty database that overcharged patients for seeing doctors outside their insurance network, costing Americans billions of dollars in inflated medical bills.

The flawed database is operated by Ingenix, a subsidiary of health insurer UnitedHealth Group, which agreed in January to pay $350 million to settle allegations that it deliberately kept rates low to underpay doctors, driving up expenses for patients.

The libertarian argument is: "let individuals sort it out for themselves." However, what individuals do in those situations is they form consumer advocacy groups, and in a democracy, they give those consumer groups legal force. For example, the FDA is a consumer advocacy group with legal power. The current issue is that healthcare is dinging consumers too much money and we don't even have universal coverage. A National health plan is one form of consumer insurance against fraudulent and wasteful health insurance providers.