If the co-pays could be accumulated and the 30$ profit on the top that insurance companies make thrown in, if we could retract the wasted and missing millions documented "unaccounted for" from Haliburton/KBR contracts overseas, and the billions paid out for lobbying every day by the pharmaceutical and insurance companies, we'd easily pay for healthcare. They are invested in keeping us captive. Legislators need to think outside the "insurance box". But the lobbying has been working for big pharma and big insurance.