liberal health savings account law. it needs to be flat while wrapping around any third party insurance. this could be a huge boon to the critically ill. they're going to need to manage the money that pays for that care. >> host: john goodman, you write as one of the six problems -- or one of the six solutions, real insurance. what do you mean by real insurance. >> guest: president obama said we're going to end

discrimination against people with pre-existing conditions. it's true right now insurance companies can't turn you down or exclude you because of a pre-existing illness, but what we're seeing is this race to the bottom in these exchanges, these very narrow networks. be you're a heart patient, you could find out there's no heart doctor within 50 miles of you. that, i think, is intolerable, and there's a much better way of doing it. i think the premium the individual pays shouldn't be based on his health condition, but there needs to be something in addition to that so that the insurer gets an actuarially fair premium. if that happens, then we'll have insurers competing on a level playing field. >> host: part of the debate that we've had on health care in this nation is whether or not health caring is a right. >> guest: no place in the world has made health care a right. if you live in canada, you don't have a right to an mri scan, you don't even have a right to wait in line. so the language of rights

distracts us from what's really happening. i think access to health care could be made much better in the united states, and when's happening with obamacare's going to make access worse for people in medicaid, in the sub subsidid plans and low income folks. >> host: medicaid as a competitor is one of your ideas. >> guest: i would let everybody join medicaid. you know, the left says we want a public plan to compete with the private sector, fine. let it be medicaid. let everybody in medicaid get out and get a private plan if they want. if a very wealthy person wants to go into medicaid, wants to wait for his care, he could do that. most medicaid plans these days are run by private health plans but still not very good. there are long waiting periods, and private insurance is better. >> host: is it politically feasible to make medicaid, medicare a competitive