Subject: Re: Healthcare Costs Going Way Up,
If an insurance company were to put all those benefits into one product, can you imagine how much it would charge?

That experiment was done back in the 1960s (?). For-profit insurers were allowed to offer policies to the public that replicated Social Security benefits. The companies that tried ended the experiment after a VERY short time. NOT PROFITABLE and no way to make them worthwhile under any circumstances.