Many doctors and experts say that more than a third of all US money spent on health insurance goes to pay for unnecessary tests or other medical procedures.  Why are we spending more money on the present healthcare system when the current system is so wasteful? You go to the Doctor for a common cold and you end up getting chest x-rays taken, an upper MRI, four prescription drugs that you are ordered to take and hundreds of dollars billed to you and your insurance company. Are doctors encouraged to order unnecessary tests and prescribe excessive medications? Is this a way for insurance companies and doctors to maintain their livelihood?