I think the question Americans should be asking both Obama and McCain on their plans for Health Care; will your plan make Quality Health Care more affordable or will it simply give more money to insurance companies to gamble on Wall Street so as to benefit the Wall Street crooks.

We know McCain wants to take Social Security and hand that money over to crooked Wall Street Houses to skim and rob and to lose. The Democrats at least seem to be standing firm against that. Still, isn't how the Clinton / Obama Socialized Medicine plan would work is to give money to the Wall Street Houses through the insurance companies. Isn't that basically how the McCain Free Market plan would also work.

Insurance works best if the insurance companies insure things where at least part of the people will never collect or by the time they do collect the value of what they paid is minimized through inflated investments. Over say 10 years, unless an investor is really bad at their job, they will generally double what they've invested. Part of that return is from inflation and not an actual increase in value.

Good health care requires regular physicals. Under full coverage, this is cost that all insurance companies would have to pay. Trying to insure that part of medical care makes as little sense as insurance to pay for your groceries; yet I am sure the Wall Street crooks would like to get a share of your grocery money as well.

Though I can't say I am all together comfortable with any kind of socialized medicine, all levels of government and charities already subsidize health care. I will concede that may be a necessary evil.

So here is a radical idea. For basic health care, instead of ranting and raving about the number of Americans who don't have health insurance, wouldn't a more sane approach be to get basic health care cost down to a level that no one requires insurance. Is it so radical to get health care cost down, even if it has to be done through subsidy, that basic health care would cost less than the yearly premium consumers would have to pay for that health care.

Catastrophic Health Insurance for persons between the age of still in the womb to 65 years of age--that would only pay for medical care that is the result of catastrophic health problems-- is something that insurance companies should be able to provide at reasonable rates that the average person can afford. It is reasonable that the average person would never have to collect on this insurance and would work the way insurance is intended to work. Catastrophic Health problems are more to likely develop once a person is over 65 years of age. For that care it would make more sense for the government to make transfer payments directly to the health care providers than through an insurance company. Neither individuals nor insurance companies are equipped to handle the cost of even basic care that tends to occur in the final stages of a person's life; when those stages are more the rule than the exception in the demographic group.