Fixing the Healthcare Problem is simple, no socialism required. Here's what needs to happen:

1) Health Savings Account available to ALL. People can lower their premiums and spend toward deductible more wisely. This will lessen demand.

2) Allow all insurers to sell in all 50 states. The cross-border competition will drive premium prices down due to increased supply.

3) Allow ALL to deduct premium expenses from their taxable income.

This will create less demand for health care, more supply, and level the playing field for tax deductibility.