3. Participate in a Universal Health Care system that provides the necessary coverage to all: thus, "universal health care"
4. Participate in a "Government Option" health care offering that offers a basic comprehensive heath care package at an affordable rate negotiated through the Government's ability to trade the large number of participants to the health care providers for the lowest rates. Then add to that basic package with "plus" policies sold by the health care providers but which also have to be competitive or they will lose out to the basic coverage and Jim's "health savings account" if he doesn't blow it on a car or at the track.