Wouter, that's one of the big issues right now. I don't know how many millions of people have no health insurance right now in the US. The problem is, has been , in the past, paid for (mostly) by the company you work for, with the individual doing a co-pay. Worked fine for a number of years, but then HMO's came into existence, insurance costs sky-rocketed (both for employers and those workers who had to pay or their own), it cut way into company profits, and noweverybody is in between a rock and a hard place. The big ebate right now, is how to cope. Do it w/ the Govt?-regulating costs, paid for w/ taxes, turning it into a European type system, or Leave it to privatization, getting rid of HMO's letting the provider's compete? That's the big debate over here. Neither plan is perfect, Romney, to his credit, (I'm NOT a big fan of his) actually came up with a plan in Massachusetts that did work. Hillary (I'm definately NOTa fan of hers either), to her credit, has one of the beter plans being formeed on that subject. I guess we;ll see what comes out of this.