OT

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If I drop my house insurance to (freely) change companies, I immediately hear from the mortgage company.  If I drop my car insurance, I immediately hear from the State of Colorado.  My incentive for buying car insurance is that I want to drive my car.  If I could control my own medical HSA and could have part of the balance at the end of the year, you'd see me being very careful about spending.  As it is, it's all " free " so why should I conserve?  Credit card companies have less than 1% fraud.  Medicare has 30% unnecessary or fraudulent payments.  You'll have freeloaders and criminals regardless of the safeguards.  Your comments about subsidizing some are well taken.  As a society, however, we will not refuse care to them.  Hell, illegal aliens get red carpet treatment on the maternity floors.   I still contend that if people have some skin in the game (or potential money to spend on iPads), they will spend more wisely on health care.  Before Obamacare, 85% were happy with their insurance and a higher percent were already insured.  Why couldn't Obamacare have addressed that 15% instead of pulling all of us into the grand, inefficient scheme? Val From: hyperaldosteronism [mailto:hyperaldosteronism ] On Behalf Of Bingham People still drive without car insurance Francis, there is virtually no reason Medicaid (health care for the poor) cannot be structured with an HSA and catastrophic policy. The average family policy in 2010 ran $1,247 a month. Think of how much of a spending account and catastrophic policy one could have! The price of insurance is whatever it is regardless of one's income. If income is low enough, America provides.