Most of you know that I believe in universal health insurance. Because in the long run it will save us (as a nation, and individually) money. Notice, I did not say universal “free” health insurance, even though I recognize that about 10% of Americans can’t afford it, another 10% will need help paying for all of it, and about 15% of Americans think they don’t need it. (Of course, about 15% – or more- of Americans don’t think they need car insurance, but that doesn’t mean we don’t demand they carry it.)