For most Americans, purchasing health care services is unlike the buying experiences in other areas of our lives. We pay very little – only about 15 percent – of our health care costs, and generous “all you can eat buffet” insurance plans give us a strong incentive to maximize payouts from insurance providers. But not only are such plans good for individuals, they should be carefully considered as a way to improve the care and reduce costs for Medicaid beneficiaries and government employees.