One is the frictional costof running a system like this--paying the salaries of the tax lawyers, the lobbyists, the hardworking bureaucrats like Sciscioli.
And Baldwin alludes to the underlying cause: our Tax Code keeps consumers from realizing the true costof their medical treatment because employers are usually paying the first dollar.
Why would we do the equivalent in medicine unless we like paying a 40% insurance bureaucracy tax for what can easily be paid directly for less than the costof a daily latte?