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The pages on data at right are some of the means to understand the many studies that have been done. It is quite interesting to see what little effect this data has had in setting Federal and State policies for healthcare. The data below details the comparison to other countries and what are the cost drivers from a traditional medical activity point of view. The data does not imagine what would happen if there was more patient contribution to the actual cost decisions, and that it came out of their own pocket.
Let us turn to some graphic data coming also from McKinsey, see PDF file.
It
is clear that the USA, one of only 3 countries in this list that
does not have universal healthcare coverage.

With this graphic analysis the cost over expectation would be $600B.

The costs overall for administration are not the issue. Much has been made of this in current politicking, but it is more a matter of finding an argument for the Public Option than is really justified.
The
costs over a lifetime on average do the expected thing, and rise.

These costs show how the costs increase at different age ranges.

Shows how outpatient care is a dominate cost driver.
The pie chart of costs.
Different
sources of costs: again shows the outpatient care as a strong
driver.
Cost
to consumers: