Admittedly, the background leading to the proposed restructuring is a bit tiresome, but the author does do a pretty decent job providing some merit to his argument. Some stats are misrepresented as usual. But overall pretty decent. I think the proposal at the end of the article strikes a good balance between allowing free markets to dictate price and realizing that without some sort of forced savings, the general population just isn't forward looking enough to save for medical expense later in life. What I appreciate most about the solution is that it addresses what I've long considered to be the root of our problem. Third-party-payment and opacity. Those in favor of free markets must admit that for free markets to work there must be transparency. Our health-care system doesn't work because of a severe lack thereof. http://www.theatlantic.com/doc/200909/health-care Summary: 1) Catastrophe insurance with age based premiums required of every person. 2) Forced health savings accounts from all post-tax income. These funds used to pay common medical bills. Unused accumulations can be borrowed against like a 401K and will be passed on at death as inheritance. 3) Gov fund allows for borrowing against future payments for large expenses early in life such as child birth. Subsequently, as consumers are paying out of pocket for all medical services, providers would be required to divulge full details of service costs and there would be a very healthy competition in the industry.