10/05/2010 10:43 pm ET Updated May 25, 2011

David Leonhardt: Health Care Reform Complaints Expose Problems With Status Quo

Consider what it would be like to have a health insurance plan that capped annual benefits at $2,000. For any medical care costing more than that, you would have to pay out of pocket.

Examples of care that costs more than $2,000 -- and often a lot more -- include virtually any cancer treatment, any heart surgery, a year's worth of diabetes treatment and care for many broken bones. Even a single M.R.I. exam can cost more than $2,000. A typical hospital stay runs thousands of dollars more.

So does this insurance plan sound like part of the solution for the country's health care system -- or part of the problem?

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