Some form of universal health insurance is inevitable. This is not just my opinion. It’s also the opinion of the late conservative Pulitzer Prize winning author Charles Krauthammer, and freelance finance columnist Malcolm Berko. The need for universal insurance coverage of some form is made obvious from the current systems failures. Some years ago, at a Health Care conference at ASU we learned that 62 percent of all bankruptcies were linked to medical expenses, of those who filed for bankruptcy, 80 percent had health insurance. Medical costs account for 1.5 million home foreclosures yearly. These problems related to health care financing occur in no other nation.