"Raising premiums to ensure the standards of living for future generations is not eroded is not a bad idea. Forcing future taxpayers to bear the cost of today's retirees' vacation homes and RVs is not fair. Higher deductibles and co-pays is the gold standard that employers and commercial insurers have used for years. Reference pricing is a great idea and allowing some fully disclosed balanced billing would not offend me since doctors and hospitals would have to compete for seniors business. A risk adjusted credit to buy a private Medicare plan would also give seniors more options."