look at the result. >> goldhill's solution.ce should only cover catastrophic events, serious illnesses, like routine care should be paid for from a health savings account that each person controls. the poor would get government subsidies for their accounts. >> we have to care about the costs, because what we're doing in medicine is destroying the american dream. >> dr. gowandi is the author of several best-selling books on medicine. he agrees with goldhill that the market in health care isn't working, but he says there's an important fact to consider. >> the sick account for most of the costs, 5% of patients are 50% of the costs. and these are folks for whom the bills are $40,000 and $50,000. >> under goldhill's solution, limiting insurance to catastrophic events and serious illnesses, insurance companies would still be paying for a lot of our health care costs. figuring out how to treat the sickest of the sick, gowandi says, is the trillion-dollar question. >> the average patient who's elderly on medicaid has more than ten spe