A major reason why health care costs are so high is \- (LO3) a) doctors must not only pay high malpractice insurance premiums, but employ people just to deal with health care insurance payments b) doctors have become very greedy c) Medicaid and Medicare have forced up doctors" fees d) doctors are spending so much time with each patient.

Carefully read all the given statements to get a clear understanding of them: a) Doctors must not only pay high malpractice insurance premiums, but employ people just to deal with health care insurance payments b) Doctors have become very greedy c) Medicaid and Medicare have forced up doctors' fees d) Doctors are spending so much time with each patient #Step 2: Analyze the impact of each statement#

Assess if each statement has a significant impact on healthcare costs: a) Malpractice insurance premiums and employing staff for dealing with insurance payments - this statement shows an increase in operational costs for doctors, which could lead to higher health care costs. b) Greedy doctors - although this could be a factor, it does not necessarily have a direct impact on health care costs being high. c) Medicaid and Medicare forcing up doctors' fees - this statement could possibly contribute to higher health care costs if the fees are increased due to these programs. d) Doctors spending more time with patients - this statement could lead to higher costs due to increased doctor-patient engagement time, but it doesn't necessarily imply excessive healthcare expenses. #Step 3: Determine the most significant statement#

Based on the analysis, the most significant statement among all the given options is: a) Doctors must not only pay high malpractice insurance premiums, but employ people just to deal with health care insurance payments This statement contributes to increased operational costs for doctors, which in turn affects healthcare costs. In comparison, the other options may have a less direct impact on healthcare costs or could be considered less significant aspects of the high health care costs.