Methods of reducing medical malpractice insurance premiums for physicians or hospitals and reducing health care costs for employees covered by an employer's health plan. Employees waive their rights to litigate any potential medical malpractice claims. The reduction of risk of potential malpractice claims reduces the cost of insuring medical malpractice policies. These reduced costs for the insurance underwriters are passed as savings to employees in the form of reduced health insurance premiums and physicians in the form of reduced malpractice insurance premiums.