Reforming, repealing, and replacing Obamacare, or whatever word is the word du jour, is not complicated as Ann Coulter so poignantly explains. Just give everyone the right to choose the health-insurance plan they want. There is just about nothing in life that is so individually-specific in nature. So many individually-specific criteria are factored into the calculus of health-insurance. A 20-year old, unmarried person’s insurance needs are different by orders of magnitude from that of an 80-year old. Age, gender, existing conditions (there is no such thing as pre-existing—it’s a metaphysical impossibility), finances, and a simple desire to roll the dice, do without it and hope and pray nothing happens. Just allow all of us the right to a “cafeteria-style” health-insurance system. Don’t need nor want pregnancy benefits? Don’t pay for it. Got a lot of money? Buy a Cadillac plan that covers everything from soup to nuts. Don’t have a lot of money? Buy a basic plan. And none of this individual/family differentiation. A couple with five kids should pay much more than a childless couple. This isn’t rocket science.