SPHC needs to be a gradual phase in. But will never happen. American mindset is all about "me". Countries with successful renditions of SPHC have a " us" mindset. Americans in general have fixed mindset not growth mindset. Americans that love free markets don't get that they can be charged whatever the servicer wants to charge even with competition. If people are willing to pay X amounts for anything why create a price war. We are talking healthcare here by the way , not a new drill or pair of shoes.