Well, possibly this is heading in the right direction and making patients more involved in considering the cost of their health care. As long as they are spending what they perceive to be somebody else's dollar they will not hesitate to spend. Of course, when they are spending their own dollar they spend less freely.....I think this will knock some of the "fluff" out of the system. This will also have a financial impact on the doctors, I suspect it will reduce the volume of visits and not just necessarily the uneccesary visits....a higher proportion of the visits will be for patients who are sick and actually need the doctor, of course, some of them will wait too long and be sicker than they would have been if they had come in earlier. No easy solution.