The latest installment in Bill Whittle’s “Your Government” virtual presidency tackles the real driver of increasing health-care costs, which is the third-party payer model of insurance. One of the many problems with ObamaCare is that it makes the pricing signals to consumers even less transparent than what it purports to reform. Instead of increasing the complexity between consumers and providers, Bill proposes a plan to simplify it and unleash the power of the private sector and competition to really lower costs: