Seniors aren't confused - they're suspicious. And I, for one, can't blame them.

instead of hammering carriers, we've turned our legislative eye on banks. We've traded one black-hat-wearing, mustachioed villain for another.

How exactly, are consumers supposed to make informed decisions when they can't get prices from providers, cooperation from carriers or even a doctor with his head on straight?

Let's all celebrate what we get to enjoy today. And let our kids worry about what they have to suffer through tomorrow.

Let's recap: We received a massive - and still largely undefined - body of health care legislation earlier this year to expand health insurance coverage while holding down costs.

The Commonwealth Fund released its annual worldwide health care report card, and at first blush, it's a pretty damning assessment.

Consumer-driven plans are growing faster than my 10-year-old son (and usually behave a lot better).

Press releases are a lot like the journalists who get them: They're cheap, full of info you can't use and are better after a few drinks.