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American average billion Caesarean section Canadian caregivers catastrophic centers charges citizens Club Concept companies competition consumer corporate coverage crisis defensive medicine doctors DRGs economic elderly employees expensive facilities federal fees for-profit chains for-profit hospitals funding groups health benefits health care costs health care system health maintenance organizations health-care HMOs incentive income increased industry institutions issue Joseph Califano large urban public Lee Iacocca legislation less limit long-term malpractice suits medi Medicaid medical schools Medicare medicine Medigap ment Molloy Molloy's national health insurance National Medical Enterprises Newsweek nonpaying patients nursing home paid payment percent physicians poor practice premiums private insurance private paying patients problem procedures profit programs reducing regulation reimbursement retirees says Sheila Gallagher society spend surgery tals tients tion treatment U. S. Congress U. S. Government Printing uninsured urban public hospitals