Re: Sorry to all the Giuliani fans on SF.
The best solution is to take the shackles off HSAs. Instead of $12K a year (avg cost last I saw) going into the insurance company's pocket, it goes into your account, tax-free. When you need to use the health care system, you pay out of your account.
You can use the funds for any service from a licensed provider or any drug either already FDA-approved or going through clinical trials. You can donate funds to another person if you wish. It's your money, and you and your doctor know how to spend it better than government or insurance companies.
No more claims adjustors deciding what is and isn't medically necessary. No more lenghty delays in paying doctors. No more patients dying because they were defrauded by the HMO on an expensive procedure.