to create impenetrable bureaucratic barriers between you and their money. There’s a reason why claims forms are so complicated....

There is much to lament about that system, and real reform is needed. A meaningful body of reforms would do three things:

1) establish a real market for health-care services and health insurance, one that is fiercely competitive and driven by consumers who are not beholden to their employers, the government, or any concern other than their own needs;

2) take intelligent steps to reduce the expense of health care and health insurance, and the bureaucracy attached to them;

3) offer intelligently designed support for the poor, the sick, and other vulnerable participants in the market.

Here are ten things that would go a long way toward getting that done:

1) Insurance Choice.

2) Real Competition: A National Market for Health Insurance.

3) Price Transparency.

4) High Ceilings for HSAs (and No Taxes).

5) Insurance on Your Insuran

6) Tort Reform.

7) Non-Physician Competition.

8) Approval/Patent Reform for Drugs and Treatments.

9) Provisions to Force Medicare and Medicaid to Compete.

10) CHIP Registration for Eligible Kids.

— Kevin Williamson is deputy managing editor of National Review.

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Taking the cell phone example further, we probably all pay some type of protection charge that is essentially for damage or loss. But that doesn't mean with that coverage we can expect it to include unlimited minutes and texts.