This whole charade is disgusting.  We're given nothing but bad options.  Nothing we have and nothing that's proposed does anything to reduce the cost driver of health care: the bureaucratic cost of processing claims.

We insure too much.  Insurance is for the unexpected and catastrophic; expected "routine maintenance costs" should be a normal cost of daily living, paid for out of pocket, or with an HSA.  Only 5% of people under 65 incur 50% of the health care costs, the big stuff over $10,000, which are the only events that should be insured.  95% of the claims are for routine and expected health maintenance and cost an average of less than $5,000/yr, and about 40% of that is the cost of claims processing.

Rand Paul's plan is essentially a national system of HSA's, coupled with a catastrophic major medical plan with a $10,000 deductible and no mandates.  It would reduce health care costs dramatically.  But since it leaves the insurance companies out, The Establishment hates it.