Single payer is the most sensible, economical solution. When consumers get to start picking and choosing the details of what's covered by their policy,  as the author suggests,  we will have a system where people with pre- existing conditions and women will get priced out. Men benefitted from prenatal and birth coverage too- they were born and cared for!  Should young people be able to opt out of coverage for conditions that affect that 60 year old couple he mentions? 
      Health insurance has to be all- for-one, one- for-all.