What is likely cost or tradeoff of each course of action?

PERSPECTIVE
Put individuals in charge of their own health care
QUESTION
What is likely cost or tradeoff of each course of action?
ANSWER
Individuals will have to manage their own personal medical savings account, and they will have to pay directly for the cost of health care in retirement, either out of pocket, or from high deductible health insurance policies. Since retirement accounts will be invested in private funds, the value of the account will go up and down depending on the market.