When we get sick, we don't head straight for the nearest county charitable hospital; we head for the biggest, shiniest facility we can find. The gist of the expert consensus is that as long as we're willing to pay for whatever they decide to do, health care is going to cost an exorbitant amount of money. But what if we actually did take money out of the equation? What if we put doctors on salary and substituted relentless cost-control for "anything goes"? Well, say critics, probably you'd get what everyone complained about with HMOs: a situation where providers have every incentive to undertreat instead of overtreat. There are places where it works. One of them is the Cleveland Clinic, one of the nation's leading hospital centers.