Mark Bertolini, the president of Aetna Insurance, is urging the U.S. government to initiate a health care reform plan for affordable insurance. Bertolini states that the single largest threat to financial security is the lack of adequate health coverage.

Bertolini also states that every American should "be required to have health insurance". He would like to see an expansion of government programs such as Medicaid. But, he also wants to see less governmental control in the flexibility of insurance policies.

Bertolini's insurance plan will help Aetna but it will do nothing for the taxpayers of the united States. His idea is more like socialized medicine on steroids!

This is the health plan Americans should opt for:

1) Get the government out of the health insurance business. The United States should only ensure that insurance companies deliver what they promise. No more and no less. Insurance contracts should be written so any lay person can understand them.

2) Allow co-ops. For instance; a group who attends a fitness center on a regular basis should be allowed to form a group for a health insurance plan. If they fall within a certain weight and a certain level of fitness they should be able to subscribe to a group plan with increased benefits and reduced premiums.

3) All children should be insured under an umbrella plan. Most children in the United States survive until adulthood without major health setbacks.

That means no family plans. Family plans do not work. There may be one family member in excellent health while another has major medical issues.

4) Employer group plans should be allowed more flexibility. Divide employer plans into four categories as below:
a) The young and healthy. These are employees 35 and younger with no history of major medical problems.
b) The older and healthy. This would include employees who are between 35 and 55 with no history of major medical problems.
c) The oldest and healthy. All employees over 55 with no past history of serious medical problems.
d) Finally; all others. Anyone with a history of serious medical problems regardless of age. Let's face it; open heart surgery costs just as much for a 22 year old as it does for a 40 year old.

If an employee or a covered family member becomes seriously ill during a plan period (usually one year) then that employee would be re-categorized the following year.

Mark Bertolini has it all wrong. He wants more government interference and less personal choice. He also wants a socialist president in the White House. That's why I'm betting he's voting for Hillary Clinton.