Sam,

How much do you think tort reform could help reduce costs. A study on auto insurance fraud done by the fbi a few years back showed fraud increased premiums by 30% on average and in the 40's for lower income households who typically pay higher premiums. This would have to significantly lower costs by reducing litigation and liability premiums. I know a small business owner who told me his business insurance went from 2500/yr to over 10k/yr over the last 6 years or so. I couldn't imagine what doctors have to pay.