Kevin Williamson hits it out of the park.
http://www.nationalreview.com/article/381755/reforming-reform-kevin-d-williamson
Likewise, routine care is not an insurable risk. You can fold that stuff into an insurance plan, and sometimes that might make sense: The people who are insuring you against the expensive proposition of breast cancer have a good incentive to throw breast exams into the “free” column — but surely, surely you sophisticated, self-actualized, read-my-Kristeva ladies don’t think that it’s actually free? The facts are: (1) Mammograms cost money; (2) somebody has to pay for them; (3) your insurance company is not run by people who love you. So, do the math.
there are so many morsels of deliciousness in that piece, it’s hard to say which is tastier! LOL!