Originally, there was discussion about controlling health-care costs. But this effort degenerated into a conversation about health-care insurance ... as though they are the same thing. They're not. Insurance is merely how we pay for our health care. And it actually makes health-care more expensive because it makes us view outrageous medical bills as being free. "$12.00 for a pack of Kleenex? Oh, well, insurance is paying for it." Would your behavior change if you were paying for your health-care out-of-pocket? Or even if we used health-care insurance the same way we used auto insurance? ... For big problems, not for oil changes.