The solution is MARKET FORCES.
My wife just had a baby as well. The hospital stay costs were insane, but because of how insurance works, we didn't care. We had no reason to shop around for a good deal, it was all paid for, no matter where we went our deductable would be the same armount. As long as there is no reason to go to a lower cost hospital why go to one?
Oh and Locobot please have your children in the socialist paradise of Cuba, I'm sure its much better then the level 3 maternaty ward my wife was in
