-- the assumption that the insurance industry is too powerful, that we will always have private health insurance. When Dean and others insist on the "choice" of insurer, they insist upon the "choice" of "keeping the insurance you have" -- let's keep the insurance business and its market, they assert. But the purpose of private health insurance and its market are the opposite of social responsibility -- and individual responsibility too. Choice of insurance companies only matters because it restricts choice in care. What matters for our health is choice among caregivers, choice in location of care. The very purpose of the insurance market is to restrict these choices and by doing so extract money from the health care system. "Adverse selection," the name of the game of health insurance business success is a reason why we should abolish health insurance as a business. Keeping that market offers the industry plenty of what Jessica calls "protection." The insurance companies know all about how to keep the healthy and wealthy while showing the sick and the poor the "choice" of another plan. That is why the insurance industry lately has offered to move to community rating -- if only the government will criminalize the uninsured and mandate the purchase of health insurance. Getting back to one of the scenarios -- the "choice" of buying Medicare, the "option" of paying health insurance premiums to a government entity (1) will not guarantee health care to all (as Dr. Dean asserts) and (2) will