There's a -- no, look, there's a systemic problem. Health-care costs are on the rise because the consumers are not involved in the decision-making process. Most health-care costs are covered by third parties. And therefore, the actual user of health care is not the purchaser of health care. And there's no market forces involved with health care.

Choose your answer: based on the paragraph above can we conclude that "Health-care is too expensive for most people"?

Pick your answer from:
 -- Yes;
 -- It's impossible to say;
 -- No;
I think the answer is
It's impossible to say