True - this is the problem with optional insurance. Those who need it are the ones who have it. That said, I think there's enough healthy people (such as myse

True - this is the problem with optional insurance. Those who need it are the ones who have it. That said, I think there's enough healthy people (such as myself) who would love to participate in a public option that would join to spread the risk. At least, that's my hope. Otherwise…