>Schooling, police, traffic, fire departments, parks and reserves... almost every country that can afford it socializes these services. Civilization does not end and quality is not automatically sacrificed just because government is in control rather than somebody who used to work at AIG.

We are in agreement about all that. I just don't think opt-in medical insurance plans with an employer are in the same category. Anyway, I think we've knocked this around enough already. NBD.