the news media, look mainly at the "big picture." They worry that the nation's health-care expen- ditures in 1993 amounted to 14 percent of gross national product (GNP) and are projected the Congressional Budget Office to grow to 18 per- cent by 2000. Most Americans agree that health- care costs must be controlled, but the costs they have in mind are their own. They do not want less care; they want to pay less, or at least not more. And that, many specialists believe, is a large part of...