A couple of weeks ago I gave my daughter Hannah $200 to buy school clothes. She whined a bit, but accepted the money. A week later I asked her how the shopping went, and she gave me a thumbs up. She excitedly explained how she got four pairs of "cool" jeans at one store for the price of one pair at another.

After showing me all the shoes, shirts, etc.--really quality stuff--she proudly told me she still had money left even after buying a couple of nonclothing items. I complimented her on her outstanding shopping efficiency and jokingly remarked that if I were paying, she wouldn't have been so careful to find the absolute best deals. She laughed hard and said that was exactly right. When I stuck my hand out to receive the left over money, she laughed even harder.

We all shop like Hannah with our own money. We seek out and find the absolute best deal. We want more for our hard-earned money, and we get it. Not so if someone else is picking up the tab. They will feel the pain, not us. We just want the goods and don't really care what the cost is or if there's a better deal.

Over time we have been programmed to believe health care is free; it's not. Health care services are very expensive. Accordingly, health insurance is very expensive. If we want less expensive health insurance, we have to reduce the cost of health care services. We get really mad if we have to pay Rado Watches anything for health care. I'm puzzled why. We have to pay for everything else--food, shelter, auto repairs, utilities, etc. Why is health care supposed to be free?

Those that provide it have to go to school much longer than everyone else. They usually incur several hundred thousand dollars of debt. Not to mention the potential liability they assume. Health care is not free. Someone has to pay. We have to pay. Currently, we pay really high health insurance premiums, partly to cover unchecked "nickel and dime" expenses, as well as the uninsured. Almost without thought, we go to the doctor Fake Chanel with a sniffle. Ultimately, this costs, say, $300. "Who cares, I'm not paying. No skin off my back." What if you were paying? How would you handle the sniffle? Would you care how much the office visit, X-rays, and prescriptions cost? Would you look around for the best deal? Yes! You would behave just like Hannah shopping for school clothes, and you would waste nothing. It's skin off your back.

Here's what HannahCare would look like:

1) We don't have a health care crisis. There are plenty of health care services available for purchase. We have a health crisis. It seems ridiculous to pay 16 percent of the gross domestic product to treat illness we create ourselves. If we would eat better, stop smoking and exercise more we could cut our health care costs by 50 percent. Create financial incentives to get healthy and financial penalties for staying on the couch. Why should those who work hard to get and stay healthy pay the health care tab for those who don't?

2) Understand that health insurance is meant to cover catastrophic illness, such as cancer--things that in most cases are beyond your control and would wipe you out financially. This is how all other insurance plans, such as auto and homeowners, work. Carve out "nickel and dime" expenses from health insurance and put the money in a savings account along with the contributions from your employer. Pay for office visits out of this account. If you don't spend the money, you get to keep it. You are the "single payer," your own insurance company.

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