Name:   MartiniMan - Subject:   At least we can agree on Date:   6/4/2015 5:02:06 PM

We have an HSA and regularly push back on the defensive medicine crap because we pay for it.  When the doctor says we have to do a bunch of tests we ask why and push back and far too often they readily back down.  That is what I mean by getting the consumer paying for the services closer to the decision and working with the doctor.  And believe me, I would love for an employee to come to me and say they already have insurance that they are bringing along (because they get it from their spouses).  Music to my ears and if we get the employer out of the middle and allow. people to buy health insurance the way they buy auto and home we would all be better off.  There are lots of other very good and sensible reforms that are market driven versus government run and that is what we need.  Repeal and replace Obamacare and get rid of the large subsidies for people that don't really need them if not for the ridiculously high cost of the policies offered through the exchange......and getting higher.