As one would expect, the article offers the point of view of free market economists on health-insurance. It defends the interests of private insurers and the idea of private insurance in a somewhat idealized insurance market which is supposed to provide all the necessary security for the sick. The main effort the article seems to seek is the strengthening of the individual market while avoiding "costly rules" as well as government intervention.

Usually the Journal editorial page is gazing at Russia with Palin, but it's nice to see an opponent of insurance actually offer some alternatives. Not quite buying a lot of the ideas, especially the one that would allow citizens to form their own risk pool. (Haven't they read Bowling Alone?). But with Obama having abandoned a single payer system, there are a lot more options on the table than the Congressional Democrats probably want to admit in public.

This article showed modest criticism of deficiency of current insurence policy but not sharp enough truce of the matter is current health system is just about brink.

Writer seems more compelled, to tell a story, than to present the facts.