What a ride it's been. The uncertainty has never been greater for the quality and pricing of health care in America.

What has remained the same is the foundation upon which quality care and cost reduction can be achieved. In the early 1990s HMOs became the plan that was going to save health insurance in America. Immediately following the 1992 elections, Hillary was going to sweep us all into a large government-run HMO model. Fortunately, this government take-over never saw the light of day.

Now here we are, 18 years later, marching down the same old road that will do nothing to control health care costs. In the mid 1990s, legislation was passed introducing tax-advantaged medical savings accounts.Congress in their infinite wisdom chose to limit these plans to groups of under 50 employees, and as a result, they made little impact.