<p>There is a saying that most of us are one major medical disaster away from bankruptcy. </p>
<p>One reason for high medical malpractice costs and settlements is lack of a societal safety net. If that handicap newborn is unable to hold down a job when grown, or provide self care, the costs will be enormous. With national health, as well as some provision for care for the indigent, those fears for the future will be mollified, and suits less essential. </p>
<p>Wisconsin resident with teacher friends here. School employees in our area have a choice of 2 plans, one quite cadillac, offering free choice with high copay and premiums, the other, an HMO.</p>