[mdmull]

Dan40, while not the first, has proposed the ONLY method to lower the overall cost. If people have to pay (OK on some sliding scale based upon income) the market will provide the pressure to lower costs. The "no one should be bankrupted by illness" crowd will get a solution. Also isn't this the kind of coverage us old guys used to call major medical. Combine that with a tax exempt MSA for the initial payments & you've got something that even the healthy people might want.