No. of Recommendations: 1
IMHO, the biggest change, put patient responsibility into the equation. Right now, no matter the system, there is none. I would do that via HSA accounts. Does it solve all the problems? No.

I live in Illinois, I'm retired, have had HSA plans since retirement, first directly through the insurance company, and when ACA became available, through Blue Cross/Blue Shield under ACA.

This year BC/BS removed the hospital closest to my home from ALL of its ACA plans. I had been paying an extra $4k per year for a plan that included that hospital.

I hope only that nothing serious happens before my wife and I start Medicare.

So yes, I take responsibility for my coverage, as much as I can. But you cannot buy something that is not sold!

Bob
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