1. Raise more tax revenue
2. Remove the incentive to manage and pay for medical expenses yourself

I started an FSA last year – conservatively low. This year I increased it. Of course, I don’t want to lose the money if I don’t use it. That provision needs to be amended, allowing you to carry over a certain portion each year if you overestimate your needs. Luckily, my employer gives us until March of the following year to spend the money.

One of my co-workers has an autistic child. He doesn’t use his FSA. I think he’s crazy for passing that up, but the use-or-lose provision makes it seem risky to people.

A combination of tax credits, health FSAs, interstate competition, and de-linking health insurance from employers is all we need to fix most of the health insurance problems.

The key “problem” though that people see with health insurance is rationing/cost control. The bottom line is that regardless of whether health insurance is public or private, scarce resources must be rationed. You can’t always get what you want, but you might get what you need. For extras, you can dig into your own pocket (with a tax break from your FSA).

I guess the pro-choice movement hasn’t shed the eugenic attitudes that founded it yet.