The health care solution is simple: go back to what we were doing before there was a health care problem. Go back to major medical care insurance that is used as insurance was intended: for an unplanned major medical problem with big price tags like surgery or disease. In 1984 I joined the Navy. Before going in it cost me $25 to go to the OB/GYN. I was only making $5-6/hour and could afford to pay this out of pocket. In 1988 when I got out of the service and called for an appointment they wanted $150. I was still making only $5-6/hour, but I couldn't afford to pay a doctor a whole weeks salary to be seen. What had happened in those 4 years to make medical care unaffordable? HMO's. I still only had Major Medical insurance, and the cost of that insurance was $57/month. Something I could still afford to pay on my $5-6/hr income, along with my mortgage. I just couldn't afford to see a doctor anymore. If we returned to the Major Medical model, competition would lower the doctors fees and insurance costs 80% or so. And doctors would actually make more money because while they charge in excess of $200 for an appointment here in NJ, they only get reimbursed about $60. And from that $60 they would only have to pay 1 person to work in their office to schedule appointments, collect payment and assist in the exam room as needed as was the practice pre-HMO. Now they have to pay a staff of 8-12 people to keep up with the paperwork. And I never feel as though I'm getting the same care and due diligence in the HMO system. And, I hate that I have to go to one doctor to give me permission to go for a specialist appointment that I already know I need to go to. Besides wasting money, it's a waste of my time, and I hate that even more! Wake up America - just go back to what worked when there wasn't a problem!