I would ask, what did we do before the 1940's and the introduction of the employer provided health insurance? I sure don't know all the answers obviously. Who does? See my previous comments for some suggestions. What we have now is a mess and ObamaCare will only be worse I fear! Perhaps a free market growing economy with more folks working and able to pay their doctors directly for the more mundane illnesses and carry catastrophic coverage. Let's try something in that direction. Keep the Government out of it as much as possible.