The largest flaw in the system is its' inefficiencies. Since everybody is not as knowledgeable as their local doctor, patients cannot decide which treatment they need and how much of the treatment they need. This screams of corruption, there are dishonest people everywhere and the status quo is testimony of that. The other problem, too much insurance, means that people know that their insurance will pay for what they need. This, in turn, leads to consumers using insurance every time they get the slightest ailment.
Costs have no meaning for suppliers and consumers and therefore there is no push for efficiency.
Without an efficient system, there are bound to be money problems. The other major problem with the health care system is government involvement. Congress and states have made deliberate efforts to drive up health costs through mandates. The result is a large number of small companies are having to give up health insurance due to these cost increases. This process is best seen in Medicaid.