If he were saving for a rainy day, he'd have money for those service "on a rainy day".
If Ted Kennedy didn't stifle medical savings accounts, he could be stashing that money away tax free for his own health care.
Even if he was forced to save it (via MSA's). If he was real smart, he'd also plunk down $50 a month for catastrophic care (cancer, major accident, etc.) and use the rest for incidentals.
Only one problem with MSA's. Getting people to spend their money on preventative care (which is only a fraction of what is spent if the problem gets worse). Maybe the catastrophic insurance provider could incentivize that -- after all, it's in their best interest.