HMO plans have millions of members who are promised in their policy that they will only be liable for the co-payment. However, their in-network hospitals impose a form “Conditions of Service” that makes the member personally liable for all charges.…

Solution for some health insurance problems is federal employment. To bid on that market (million people, mostly young and in good health) insurers have to take on anyone hired by the feds, together with their families, regardless of pre-existings. So…