Healthcare….One thing where we *could* start is a portable healthcare savings type account. Some of these health care plans offered by employers provide a “account” of dollars you accumulate that can be used toward healthcare. You don’t spend it, it rollsover into an account. You spend it if you need healthcare, based on negotated rates with care providers. The problem is that these plans never carry over if you leave your employer and go to the next. It would be beneficial if healthcare plans can be self-selected/self directed, and employers simply pay into the plan. my opinion. Of course, then you run the risk of people “not saving for a health care plan”, as you see the case for a lot of people without retirement planning.