"If you ask me what kind of health insurance I would like for my family, my instinct is to answer, ?None.? The only reason we have health insurance now is to avoid the stigma of being called 'uninsured.' Somehow, health insurance has become a social fetish. I could travel to the far reaches of the globe, and almost everywhere I would find merchants where my credit is good and my dollars are welcome. But here at home, trying to enter a local hospital with nothing but a wad of cash and a credit card would be like urinating on the sidewalk." I believe, (but can't empirically prove, of course), that the market for health insurance would adapt and provide affordable coverage options if the government and employers didn't run the show.