Piggy banks for Pain

An interesting article from a member of the Cato Institute on Medical Savings Accounts and their effect on his own recent need for urgent care. As usual, I am almost sold on the Libertarian agenda here. The shortcoming for me of mandating MSA's for everyone is the very issue that the author brings up but brushes aside: not everyone knows how to negotiate the best deal in health care. And in his case, he did not need emergency care, just urgent care. I am pretty sure if I were in pain, I wouldn't take the time to price shop. I guess like his friend the marine, I too am a wimp.