I think as usual there needs to be a compromise. Insurance for catastrophic stuff like ER visits and chronic illness. Then pay cash for routine stuff like docto

I think as usual there needs to be a compromise. Insurance for catastrophic stuff like ER visits and chronic illness. Then pay cash for routine stuff like doctor's visits and prescriptions. For the indigent we can set up publicly funded HSAs and catastrophic coverage. This way the medical profession will not have to deal with the insurance companies nearly so much. In addition this will increase competition between generic drug manufacturers since they will be dealing with millions of customers rather than a couple hundred insurance companies. Although I do admit I love my HMO. If I didn't have access to quality health insurance through my employer I would definitely follow the plan above.