Another way to say this: Decouple catastrophic health insurance, what we use to cover actual medical emergencies, and routine health care costs. This is roughly

Another way to say this: Decouple catastrophic health insurance, what we use to cover actual medical emergencies, and routine health care costs. This is roughly the model in use in Singapore and similar to what people in the US with high deductible plans live with. I work in the medical products field and it's amazing how much distortion is introduced into the system when "insurance" is used to pay for everyday consumables. Products that go from RX to OTC drop 80-90% overnight.