Dirty Secret No. 1 in Obamacare

Use the Medical MSA model of health insurance become an option for Medicaid and for MediCare and watch the costs of those program go into meldown. For those who cannot afford insurance, a voucher system on the deductible can be devised with established financial thresholds. For instance, those at 125%, say, of poverty line, can recieve the entire Major Medical policy free of charge (still a lot cheaper than ObamaCare's Spartan program), and enjoy an income-adjusted voucher for the deductible portion. In this way, the poor receive the same insurance coverage as everyone else, and are incentivized to abstain substances that are bad for them--by not drawing anything out of their savings account, they don't have to put any more into it....