Even patients who have decent health insurance can still lose their job, hit plan coverage limits, face exclusions which prevent them getting coverage for special needs and more. In other words, even the insured aren't that secure, suggests columnist Laurence Kotlikoff of The Boston Globe. To address this problem, he recommends the federal government create a "medical security system" which issues vouchers each year for a health plan payment, with amounts based on a person's health status. In Kotlikoff's view, such an approach meets both Democratic and Republican policy objectives while making sure all citizens get the care they need. Article