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It's a valid point. Two wrongs don't make it right. We don't like hearing about the out-of-pocket expenses, we don't like hearing about those declined for existing conditions, we don't like triage performed by others who may not take our lives as seriously as we do.

Suggestions:

1) Catastrophic insurance only — hospitalization and doctors services only for all.

2) Stop using Emergency Rooms for anything other than “serious emergencies,” not toothaches or menstrual cramps.

3) We'll decide how many well-patient visits we need a year. We used to do quite nicely on 1 physical a year that we paid for out of pocket.

4) Allow insurance to be sold across state lines to allow for larger pools of consumers.

5) Tort reform. There is no amount of money that can replace a loved one and no amount of money can make you whole. It's time to rein in the litigators fees so that that 1/3 contingency doesn't have to support his staff for the rest of the quarter, and there is a fair settlement to replace loss of income — forget emotional distress — there is not enough money in the world to compensate you for that.

6) Stop eating yourself into oblivion, stop smoking yourself into dehydration; stop drinking yourself into a lab beaker, and take responsibility for your health.

7) Use generic drugs — half the crap on the market today causes more problems than it cures — look at the disclaimers and warnings.

8) Stay clean, wash your hands, carry tissues and cover your mouth when you cough or sneeze.

9) Wash your clothes and clean your homes — no matter how poor you are — you can afford a bar of soap — if not, I think we can cover you.

10) Accept what life gives you, fight whatever you can, however you can and trust in God. Last, but not least, it's over when it's over — not a second before or late.