Healthcare will never work in America until personal responsibility is taken into account. Most other insurance programs work perfectly well, and it's obvious why. In this country, most people take good care of their houses, good care of their cars, etc. But how many actually take good care of their bodies? A surprisingly low amount. Until that problem is solved, and we don't have thousands of cases of diabetes and heart disease and cancer each year, then I don't see how healthcare can work.