To solve the health care fiasco in the United States, we have to understand actual health care markets and spending; we need to establish foundational principles from which to build health care policies; and, we need to strip health care debates of politics.
Short of paying cash or trading chickens for service, the private health care insurance market has served its customers relatively well. Insurance providers offer medical plans and consumers choose from those plans or not at all. As with all insurance, medical coverage is based on risk. If you live a healthy lifestyle and do not seem to suffer from a history of illness, you would pay lower premiums for your coverage. The opposite is true if you have chosen unhealthy behaviors and activities or if you have a history of some illness. This is the way insurance works and it will not work any other way.