You know.....when I retired in 2002, I decided that I was going to do whatever the hell I wanted to, work when I wanted to, and basically be retired. Consequently, I watch an OBSCENE amount of news. I watch CNN, MSNBC, FOX (when I want to laugh), BBC America, the Debka File, as well as various internet sources (Google, Yahoo). So.......I hear a lot of the bitching from both sides. Now, the Dems want a public option. Something that anyone can get, and it's cheap. The Reps are worried that the insurance companies won't be able to stay solvent, as they don't want to insure people with "pre-existing conditions", as that would cost a lot of money. So, I thought.......why not make it like car insurance? That way, you could still have your choice, and you would be able to pick and choose your doctors (Reps), as well as have a low cost option for those that are poor and middle class (Dems). Now.........just like before you get car insurance, they run your driving record. Same deal here.......before going to get health insurance, you get a complete physical, and that is your starting point. Oh yeah.........you can't be turned down for a pre-existing condition, but, if you are, then you should be able to fall under the Government option (Medicare/Medicaid) if you are unable to be insured. Kinda like welfare. Just like car insurance (at least some), if you don't have a wreck, and don't get many tickets, your insurance rates go down, but you still have the same coverage. Every time you renew your health insurance (like you do for your car), you get another physical. If you are going downhill (smoking too much, obesity, etc), your rates go up accordingly. If you are the same, your rates stay the same. If you start a better lifestyle (losing weight, working out, exercising, etc.), then your rates go DOWN. There is another side benefit incidentally.........what if you live in a place that has been contaminated like Love Canal? Well......the people who live there would eventually get tired of paying high insurance rates, and they would mobilize the city government to clean up the mess, resulting in lower health insurance rates for the entire town. Or........they could move to a healthier area. Would also eliminate the need for a "sin tax" on stuff like soda and fast food. What do you guys (and ladies) think?