Some observations on the health insurance situation

As someone who has recently been blessed with a new baby, the opportunity to think about the health care/insurance situation presented itself. Our baby was born at Saint Agnes Hospital in Fond du Lac, because that is where our insurance required us to have the delivery. My wife's insurance allowed her to stay up to 96 hours in the hospital. We actually stayed only 80 hours, since my wife is a quick healer, and she wanted to come home.
1 - There is NO incentive to come home earlier. My wife could have easily stayed another night, with the free meals and comfortable bed. How many people would come home earlier if there was a financial incentive, say, $100 from the insurance company, if there was no medical risk to doing so?
2 - Seeing two people man the valet station at the hospital entrance just had me scratching my head.
3 - There was a director of the maternity ward two rooms down from my wife's room. Why is this person not actually on the floor, providing nursing duties? A possible cost-savings one would think. Similar to the idea of a school district principal or administrator teaching in the classroom.
Just some random thoughts...