Americans have been paying less and less out of their own pocket. It's basic economics that the less you have to pay for something, the more of it you'll use. And yet the “reformers” keep pushing for MORE health insurance.
He has an awesome graph that you should check out and send to everyone.
Just as a suggestion, instead of trying to institute a one-size-fits-all solution, why not let every state make its own judgment? When ideas compete, everyone wins, because we can all see what ideas worked best!