Why are democrats afraid of American principles? Putting the consumer in charge of finances and requiring competition among insurance companies is the only realistic way to control costs. The government's attempts have been futile and counterproductive. Despite this, they think that PPACA, which will fix the market even more will be successful. Isn't that the definition of insanity, to do the same thing over and over expecting a different result? Scherz points are spot on.