Maybe health care would be cheaper if the customer actually paid for it. "Starting this year, millions of Americans will be able to save money tax-free for their medical expenses, in a health savings account," declared President George Bush in his State of the Union speech. He clearly knows that health care will be the top domestic issue in the 2004 presidential campaign. Why? Because health spending in the United States soared by 9.3 percent in 2002, the largest increase in 11 years, according to a report from U.S. Health and Human Services officials in the journal Health Affairs. (The...