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Dr.Feld:

You raise a very important point that has in fact proven success stories around the world. Singapore makes healthcare consumers directly responsible for their healthcare dollars, although the Government and Employers chip in also. But eventually YOU are responsible for your own healthcare dollars there and it seems to be successful.

Read "The Singapore Model"
http://www.american.com/archive/2008/may-june-magazine-contents/the-singapore-model

Thanks
Nari

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