This article discusses the basic insurance model, and viability of Obama care based on that model. Shows, how Obama care insurance model is a clear cut deviation from historically proven model, and why it will not work. Analyzes the behaviors and attitudes of insurance buyers, especially the young ones. Finds out, why Obama care will have a seriously negative effect on already strained federal government budget.

This article analyzes and compares the different possible options in health care payment systems. Provides a historical review, and current stats, related to this burning issue. Brings into focus the cartel between health care establishment, health insurance companies and government. Explains, why ACA will be crushed under its own burden. Discusses the benefits of free market system and open competition, in health care payment systems.

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