Which is part of the problem with reform: you happen to have a functioning HMO. What happens when you change employers? What happens when your employer doesn't

Which is part of the problem with reform: you happen to have a functioning HMO. What happens when you change employers? What happens when your employer doesn't offer insurance? You are one of the lucky few who has the connections, and deep-corporate-pockets (presumably, unless you're paying for your insurance out of pocket) to be able to get good insurance. But that isn't how most the country works. It's probably better for the masses to have the longer Canadian waits, rather than the quick-care American bankruptcies (or non-care).