The main reasons that health care costs so much are because of lack of transparency, lack of competition, and the complexity of the system. There is a lack of transparency between the patient and the provider, as well as between the patient and their employer who provides benefits. The system’s complexity leads to increased administrative costs. The charge given to a particular procedure is meaningless and must be repriced to a reasonable amount. The provider overcharges to account for poor reimbursement rates and insurance companies hope for an overcharge to reprice in order to make a profit on reducing the original price. If actual prices were listed and competition was allowed between physicians and facilities, health care prices would be much lower for everyone.