I'd say that the biggest problem is that insurance... isn't. People want to pay for it like insurance but have it act like: a shared cost equalization system, a

I'd say that the biggest problem is that insurance... isn't. People want to pay for it like insurance but have it act like: a shared cost equalization system, a tax feee medical saving/spending system, a group buy (collective bargaining) discount system, a network referral system, an emergency care guarantee, oh and every once in a while, a standard insurance policy.