Health insurance can be much cheaper if it does not pay for health care — taking the health out of health insurance! Real solutions are about cost-effective care, not about shifting costs and risks to the consumer. Phony Solutions: Taking the Health out of Health Insurance The first question to ask in debating cost containment in health care is: affordability for whom? Will it provide better access to more affordable care? Phony solutions bring down the sticker price of health insurance by shifting more costs or more risk to consumers, including high-deductible plans and Health Savings Accounts, bare-bones and skeleton health plans, restrictions on the ability to get care, and the removal or pre-emption of consumer protections and mandates on insurers.