The author provides a thoughtful, problem-based solution without arguing against access to healthcare and without discarding a role for government including vouchers to all Americans for a free checkup every two years and regulation to require quality and transparency. One of the most interesting pieces I've read. Thanks, Walter for submitting this. Not sure how we would ever accomplish this--or world peace. That doesn't mean we shouldn't try. But what I'm not sure of is whether folks w. health savings accounts might defer treatment that in some cases would cause greater illness--self rationing, but w. the same outcome that is no whappening w. private insurance. I've linked to some related articles and a rebuttal by Judy Dugan, Research Director of Consumer Watchdog. (Wish she hadn't called him a sincere crackpot. She has some suggestions of her own.