Everyone knows that the health care INSURANCE needs reform. But a national take over with the public option or co-ops is just not necessary, both would cost the taxpayer and run up our debt astronomically. Both plans are approaching 1 trillion dollars. You can bet that's a low ball estimate. Now they are debating a bi-partisan bill in the senate and they are already fighting over making it mandatory that everyone purchase a health insurance plan. If a family of 4 opts out of buying their own insurance they will be fined $3,800 a year. Better solution. 1. Tort reform- the cost of mal-practice insurance has increased 1400% over the past years. 85% of physicians in states where there is no tort reform practice defensive medicine. On average a physician pays 100,000 per year for mal-practive insurance, these costs are passed back onto us, the consumer, in the form of higher fees for service. All this would do is put a limit on compensation. 2. Open competition- you should be able to purchase health insurance across state lines, there is no reason that an insurance company locks up one state. Competition drives costs down. You should be able to pick and choose your plan as easily as you do your car insurance. 3. Mandatory- if you are not covered you should be required to purchase an individual high deductible major medical plan. These plans are inexpensive but they cover catastrophic losses. It is estimated that 15 million people can afford health insurance but they choose not to purchase it. They end up in our emergency rooms and the rest of us get to pay. The poor can be subsidized. 4. Group- small business- Small business employs 76% of Americans but there is no plan that they can join. They are forced to either not cover their employess or pay outrageous premiums for coverage. Most choose not to cover. 5. Pre-tax health savings plans- these are pre-tax dollars that can be set up in cafeteria plans, for people that are not covered by their employer, but have an individual major medical plan. They can use it for doctor's office visits, medications, dental visits etc. At the end of the year should they have money left in that account they can keep it and spend it on what they want. 6. Pass legislation requiring insurance companies to cover pre-existing conditions and legislation that should you lose your job, you can be covered under you old plan for a specidied amount of time, enabling you the time to pick the castastrophic plan that best fits your needs. Car insurance covers you for a specified amount of time should you forget to renew, why not, health insurance. Health insurance is important to all of us, I just don't see why it needs to be so complicated, this can all be done through legislation.