As a personal aside, I have high deductible insurance, which means I do not run off to the doctor for my smallest sniffle. The yearly checkup I do go for costs me $75 out of pocket, with no insurance company hassle, or wait for payment, for the doctor. Plus I pay for these services with before-tax dollars using an HSA account. My doctor bills the insurance companies of those with low-deductible insurance $250 for the same services. What does that tell you ? Most patients are overpaying for services because of medical malpractice defensiveness and insurance company paperwork.
Bush has a good answer to health insurance proiblems with high deductible insurance coupled with HSAs.
That's right, and it's also true of any insurance-based economic transaction in which the buyer and seller do not interact directly. The only "insurance" that really works to any extent is life insurance, because of the inherent disincentive to filing a claim.