The solution to disgruntled insurance industry plutocrats? Cut them out of the picture. That's right, let Medicare and Medicaid pay all bills directly. Those who can afford it can buy supplemental insurance, but all should pay at least a flat tax on every dollar earned, whether it be on inheritance or long-term capital gains or stock options. The insurance industry is a major gate-keeper that everyone must pass on the way to health care. Why? Because they are entrenched and spend billions of dollars - regular citizen's dollars - protecting their highway robbery in state and federal houses of representation. Play by their rules and you wind up a millionaire. Represent the people, and you wind up with a three hundred thousand dollar home, a Buick, and a pension.