Maybe I am way off base, but I wish that health insurance was run like car insurance instead of being tied to employment. Wouldn't it be nice if you could get allstate health insurance, and pay for a package that fits your lifestyle...and if your rates get too high you could switch to state farm health insurance...the same that you do for your car. The competition would help the rates stay reasonable, and if you lost your job you wouldn't lose your health care, AND it wouldn't have to be run by the government. It works for cars, homes, boats, etc. why not health care. (I readily admit that I am not fully read up on the subject, so if this is a totally ignorant idea, then feel free to ignore it.)