What is the impact of health care costs for the individual consumer? The employer?

"Understanding these components can lead to important insights not only for strategy but also for public policy. To check rising health care costs, one can address any or all of these fundamentals; however, the political consequences of manipulating each are significant, and addressing one without also confronting the other two is futile. For example, the federal government has been dealing with rising physician costs by lowering the fees for their services. Doctors respond by increasing volume or, more important, by increasing the technology applied to care" (Kotler, Stevens, 2008,p. 31, para 4). Consumers may shop around or may simply opt not to partake in the healthcare experience if they don't have...