Health-Care Reform that Just Might be Workable

It may turn out that major health-care reform isn't politically feasible now. But that shouldn't stop us from making significant improvements to our woefully inadequate system.

The biggest problems with cost and coverage come from the insurance industry. And the only way insurance companies will learn to play nice without competition from the government is with new regulation.

Insurance companies have become de facto monopolies. If the only health care you can afford is via insurance offered by your employer, the insurance company has no incentive to keep you happy.

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