Our system of pooled health care is based on the assumption that pooling resources would somehow lower costs.
The idea works in some sectors of the economy where the items in consideration are a commodity, but it does not work with health care as health is an attribute of the individual and proper health care requires intensive knowledge of our individual situation.
Our health care costs rise because this pooling metaphor does not fit.
The real end result of pooling is the concentration of wealth and power.
If the pooling of resources creates an artificial concentration of power. The breaking apart of the pools (as is done in the Medical Savings and Loan) should have the opposite effect of breaking apart the concentration of power.