We are all about to witness another extreme alteration of our medical system. The medical system is an ecosystem composed of trillions of interactions between you, other patients, insurance companies, hospitals, other providers, the government and on and on. Abrupt change is always full of risk and unknowns in any ecosystem. Nature works by imposing change very slowly over hundreds if not thousands of years so the system gets time to adjust itself maintaining the balance between opposing factions. If something happens abruptly in nature, lots of organisms die. What do you think happened to the dinosaurs? We just witnessed what happens when you impose major and abrupt change on our medical system - an unpredictable mess which made liars out of everybody involved. Making another major abrupt change will result in more of the same. There are only three things the government has to do. First, stop underwriting. Each company will have to take its share of high risk of patients. All insurance companies must play on the same field. Second is to allow interstate commerce in insurance, and third is to impose a strict mandate with near-draconian penalties. Many states have mandatory auto insurance. No individual has the right to injure others without compensation. It is not right for you to ram someone else's car and walk away from it leaving others to pay for your accident. Same goes for medicine. You cannot expect others to pay for your illness. The young may not realize the privilege of youth, but they sure will when they get old. You are paying into the system now to cover your illnesses down the line. While we do make exceptions for the poor and disabled, the medical system is an essential utility to which everyone else has to contribute. Once these changes are made, everyone should chill out, let the system adjust, and analyze the result five to ten years from now in order to see how to proceed. I believe that with these new changes implemented (and perhaps some waste and redundancies removed), we will be able to successfully continue with a private sector medical system.