In his new book, New Way to Care: Social Protections That Put Families First, author John Goodman argues that our most important social insurance institutions are in desperate need of reform. Goodman proposes a simple idea. People of any age should have the choice to opt out of social insurance in favor of alternatives that better meet their individual and family needs. In particular, people should be able to substitute the assets and arrangements they own for the insurance systems that the government currently forces people to participate in.