It is widely conceded by pundits of varying ideological stripes that America faces a health care crisis. Both liberals and conservatives tout the problem; sadly, few quality solutions are proposed. The greatest problem within this crisis, also admitted widely, is the high cost of health care and health insurance. Liberals set about to “solve” this problem by proposing universal, government-provided health insurance. This, of course, only compounds the problem and does nothing to lower real costs. Presumably liberals feel high costs are a problem when they are borne by citizens as health care consumers, but somehow acceptable when they are...