Health Insurance vs Health Care Reform? That is the question

Greetings Friends and Neighbors,
Health Insurance Reform or Health Care Reform? That is the question. The answer is both need a good enema to clear out a lot of toxicity.
The health insurance industry needs to clean house because the bubble is about to burst. Much like the recent bubble bursts in the housing, finance and auto sectors, the insurance sector is about to see a lot of noise and it will not be pretty. Why? Too big, too much overhead, too many pockets to line and too many favors to repay. That is the reality.
And here's another sobering thought. The middle man is getting rich from both sides of the scale--increased premiums from insurers, decreased benefits payments to health providers.
The Health Care side of this mess will face dire consequences as well. Too many errors, by too many health care givers with too little training or compassion. Too much time on the computer updating what care has been delivered to placate the insurance company's insatiable appetite for validation (a stallling tactic) to care about whether the care was delivered correctly. Who suffers? We all do.
The system needs balance. The sooner the better. Legislators need to hear YOUR war-stories. They are only hearing from lobbyist. Send them your woes to keep them on their toes!
What's your solution?