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Neal you are correct. What most people have is pre-paid health care with an insurance component. If we could buy policies with high deductibles, and cover only things we need to be covered, then health insurance would be cheap.<br> <br> The people, like myself, with chronic conditions, would have to plan on paying that deductible every year to treat our chronic conditions.<br> <br> Most people could afford basic coverage. States mandate basic automotive coverage, and I am sure there would be "Safe-Medicals" popping up like Safe Auto, to take care of this market segment.<br> <br> I think there might be a role for government, especially in these cases where something unexpected and tragic wipes out a family economically.
By Tim

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