The complexity of billing is strongly intertwined with who pays and how, and adding the third-party of your employer, who actually selects the health insurance company for many of us adds yet another layer on top of the already inefficient setup.
And that's what swings me to single-payer, despite my other political leanings. The incentives system is just so screwed up. Consolidating is would make solving the remaining problems so much simpler.
