On this whole healthcare reform issue, I don't think government intervention the way they're attempting to get it done, is not the answer. Providing coverage and making it affordable is what I keep hearing. Instead of trying to subsidize (sp?) it, why not take away from the rich (doctors, surgeons, etc.) to make it more affordable? Make them drop their rates. I find it appalling that almost every EOB and bill I get has an adjustment where the insurance company has negotiated a lower price. I'm not going to blame one specific healthcare provider, but that's just how the industry operates. Can you or I call up the doctor or hospital and negotiate a better rate, if we're not covered, or self insured?