Most Americans are generally satisfied with their current insurance, and they do not believe a government takeover is needed to address the problems they see occuring from time to time. They’re right: It isn’t necessary. What’s needed is a targeted reform that ensures reliable protection for those who stay continuously insured. That’s the subject of an article I wrote with Tom Miller of AEI, published in the latest edition of National Review, and available here (in PDF format) as well.