People need a stake in the outcome of these programs or they’ll continue to vote for others to take care of them. A straight tax where someone makes $20,000 a year would result in “x” after deducting what they paid for health insurance. I know of people that worked for nothing so that the business they worked for paid for their insurance. The same goes for life insurance. If a citizen takes care of his family’s security by paying life insurance every year it should be deducted one hundred percent. It helps us all not to add another burden on society if he or she dies and leaves his family dependent on government. There are absolutely things the government can do for its people to reform the situation if they had the will to do it. Tort reform might be a start. Increasing competition might also reduce costs. Immigration reform? Repealing laws that encourage illegal immigration coverage so that American citizens don’t pay exponentially for insurance might help. Until we see these types of things, we don’t believe a single word being said to us.