I would rather start now putting the approximate premium amount in a savings account every month, first to see if I could even be able to afford it on a strict monthly budget, and second to keep saving whatever it totals up to so I have money to pay any emergency care I may need over any insurance payments. I for one would put a bullet in my head and be done with it if I ever got so terminally ill and infirm I was now going to drain my loved ones of every penny they had plus put them into debt, leaving nothing for themselves later on. My life at that point would not be worth robbing younger ones of their livelihood. Health care isn't made to "help" the elderly so much as it is to make money for insurance companies and others. Affordable insurance isn't available because so many would have it that the companies would go broke actually providing the health care expenses they accept payments for. Not from me, Heaven is free and healthy thanks.

Good article as far as it goes.  The problem with this plan is that healthy people will quickly tire of the continuing increase in premiums which will only leave those with health problems in the pool - which will only serve to drive the costs up more quickly.  Soon, those with a need for care will find it would be less expensive to pay for their care out of pocket rather than pay the premiums that will be needed to sustain the plan.

It's a start in the right direction.  The danger will be the politicians "borrowing" the funds for current non-related expenses (as they do currently with Social Security) and filling the account with government IOUs.  If the employees' deposits can be protected from those raids, this could be a good move away from the present requirement of impoverishing life time nest eggs before becoming eligible for government (Medical Assistance) benefits.

What planet are you people on? SEnd more money for long term care to insurers who will find another way to deny policy holders. This when most people in US are just trying to survive----we need a single payer system for health care, and assisted living centers that don't take every penny a person manages to save for old age. It is time to rethink the capitalist system, and find a form of government that protects people from greedy banks, insurers, and the rest of the capitalist leeches.