1.   But do we need it, will it make our lives better, will we be healthier people as a result.

2.   Giving up smoking and having regular exercise do not prevent you from catching chicken pox, but healthier people tend to recover faster.

3.   Healthier people may gravitate toward one doctor or medical plan and sicker people may seek out other doctors or plans.

4.   It does make health insurance affordable to chronically ill people and we will lose some healthier young people, who will be moochers.

5.   Many Democrats, however, including the Clinton administration, say that MSAs would actually cost Medicare money because only healthier people would use them.

6.   People with weak immune systems, such as the elderly, cancer patients or organ recipients, are believed to be vulnerable to far lower amounts than healthier people.

7.   Relatively healthier people leave.

8.   They say healthier people would have more to gain from medical savings accounts because they would have more money left over at the end of a year.

9.   Thus, the sickest people are likely to enroll, he said, and the healthier people needed to make the plan financially viable are not.

10.   Were these healthier people in the fee-for-service program, officials say, they would be costing the government less than they do now.