The biggest advocate for blowing another $1 trillion hole in the federal budget is the health insurance lobby. This raises the question of whether most health insurance spending is really needed at all. Patients would shop around for the lowest prices, and health insurance would be like home fire insurance: there to aid families in an emergency. Instead, the insurance companies are adding hundreds of billions of extraneous profits out of the health care system because Americans are over-insured. That’s exactly the outcome the $3 trillion health care system is barreling toward.