That a common and fine approach, but that doesnt make it cheaper, it makes it a whole lot more expensive. From my point of view, lowering the expense is the #1

That a common and fine approach, but that doesnt make it cheaper, it makes it a whole lot more expensive. From my point of view, lowering the expense is the #1 priority. Expanding coverage, and adding new layers of taxation for it will increase expenditures. There are also many alternatives to adverse selection, my favorite is high deductible plans.