This is a system that is working in other countries and not in an experimental phase anymore. We can use their experience to better our healthcare without all the headaches that come with trying something new. Believe me, catastrophic health issues can hit anyone at anytime. I had a large brain tumor and doctors don't know what causes it. No family history of tumors, I don't drink, smoke, use drugs and have a diet consisting of 70% produce. Doctors said they happen to 23% of the population. And we know accidents, big & small, happens to everyone. Good insurance is a must for all!