Every one of us has experienced health care, but too many times, the experience has not been good. Perhaps our records have been lost or the physician is rushed and abrupt, spending more time looking at the computer than talking to us. Perhaps we are made to get tests we don't need or treatments that aren't fully explained, treatments we might not have gotten if we'd been fully informed about risks, benefits, and alternatives. And then we get an incomprehensible bill - usually, many different bills - that leaves us confused, frustrated, and in the worst cases, looking at a dire personal...