The real problems with the healthcare industry

Now here's an article that makes sense about the healthcare problems facing our country. It is written by a self-identified Democrat who has spent some significant time studying the problems with the industry. However it's a long article so I don't know who will have time to read it.

Some high points are:

• It doesnt make sense that people expect the insurance company (or government) to pay for routine care.
• Insurance makes the most sense for unexpected, big emergencies.
• There isn't a lot of real competition in the healthcare industry except for elective care items like LASIK eye surgery and cosmetic procedures.
• The lack of competition is largely driven by the fact that most services are not paid by the consumer of the service, the patient.
  
• At the end he suggests using a government option but only for emergencies over a very high threshold like $50,000 and using health-savings accounts for all other services.
• It would take a transition period to get to this point but it would be better in the end.

I've been thinking some of these very thoughts for a long time but never saw it written down so eloquently before.