From a patient’s point of view, the ideal health insurance policy would offer unlimited access to medical services at no charge. Unfortunately, it is not feasible to offer this to everyone. The key to sustainable health care reform is restraining the use of services that have high costs and low benefits. Cato Institute Adjunct Scholar Arnold Kling, author of Crisis of Abundance: Rethinking How We Pay for Health Care, examines the challenges facing health reformers and the feasibility of alternative proposals.