One of the major problems with reforming health care/health insurance lies in the human factor. Everyone is debating a financial aspect, but the entire program is about helping our family members. And when it's our 87 year old, or 99 year old family member, we want everything done to delay the inevitable.
I'm not saying we should have death panels, which we ALL know were never a part of the health care reform bill. But there has to be some level of reality applied. When someone is 90 y/o plus, the program pays for pain relief, etc. But not new hips, knees, Viagra, etc.
Of course, I say all of this, and I will eventually be dealing with the exact scenario which will have me conflicted.
Just my 2 cents.