American health care has captured all the dollars individuals can pay, all the dollars their employers can pay, all the dollars our government can pay, all the dollars our government can borrow directly, and all the dollars our government can borrow from children not yet born. Study health care systems that were not invented here. Health insurance isn't a gift from concerned corporations; it is the accidental result of corporate competition for workers during World War II. Today it functions as a primary tool for insurance companies to Balkanize populations, game risk and exploit poor price discovery. Too bad insurance companies avoid it whenever possible by splitting groups and gaming risk pools. Standardized policies, a la Medicare medigap policies, and guaranteed lifetime acceptance for those with pre-existing conditions will work to put the insurance principle back to work, and group manipulation out of work. End the tax break for employer-sponsored health insurance. Support a shift to free medical education for general practitioner doctors and nurses. Many MDs become specialists because a higher income is the only way they can pay off their medical education debt, about $160,000. Let's go for civil penalties where accidental deaths are high as a result of staffing policy. Treat addiction as a health issue, not a character fault.

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