In the ongoing national debate about healthcare that is likely to continue for years, one view holds that quality improvement (and corresponding cost reduction) across the industry is fundamentally not possible because the direct consumer (i.e., the patient) is not who pays the bill; for most people the insurance company is. Since insurance companies do not directly receive the service provided, they cannot assess how well “value” is being delivered, and neither the customer nor the insurance company are motivated to reduce costs. Discuss this phenomenon of the healthcare industry and make a case for why you think it is accurate or inaccurate. Also address in your discussion how healthcare insurance differs from other forms of personal insurance.