The Economic Question at the Core of the Individual Mandate

Everyday Health care cost-shots, well-care- would be much less if ALL consumers paid out-of-pocket, because they would shop for services that meet their needs using competitive pricing.

Second. ANY realistic person knows that the 30-40 million "uninsured" the government contemplates getting insurance would not pay, because they are too poor, and would either get subsidized (meaning taxpayer Citizens pay for it) and, since doctors don't have office hours at night, would continue to use emergency rooms for immediate care, nullifyiny the logic used to promote the plan.

Nobody in their right mind would design a health care system that looks anything like today's model. But, we could easily model a well-care and diagnostic model, based on the free-enterprise system, that would deliver care to everyone for 75% less than today's model, using for-profit local clinics for the 90% of health care that involves keeping people healthy and treating minor ailments and injuries, reserving the higest cost model-the hospital and ER- for circumstances where cost is justified. There is an old rule that says "20% fo your expenses are incurred by 90% of your customers, and 80% of your expenses occur with 10% of your customers." That's the health care model of today.

Let's substitute Catastrophic Care Insurance, subsidized for poor as necessary (approx. $45-50 per month per person) and let the free market, operating through the 15-20,000 clinics deliver the everyday well-care.
Read the Article at HuffingtonPost