My continuing point about healthcare reform is that patients should be driven away from an insurance solution...not towards it. This blogger offers a similar perspective. Think of a $25,000 deductibile insurance policy. The reality is that few under 55 years old would ever exceed the deductible. Of those that did, most would not go bankrupt. They would save enough in insurance premiums to pay off the debt in a few years. Those that did go bankrupt would become charity cases. Our country has a good record of private charity. And the wealthier it is, the more charitable it is.