Awful buzzword of the day: "planful"

E.g., planful employees would not be adversely impacted by Guiliani's health care reform proposal. Says Guiliani:

“Health insurance should become like homeowners insurance or like car insurance: You don’t cover everything in your homeowners policy. If you have a slight accident in your house, if you need to refill your oil in your car, you don’t cover that with insurance. But that is covered in many of the insurance policies because they’re government dominated and they’re employer dominated.”

Here's to being planful and to Rudy's proposal. Carving out things like quality-of-life drugs (e.g. expensive allergy and GI pills) from the system will bring costs down. There's an inverse relation between cost and access. As cost decreases, access increases. Hence, his proposal would have the effect of increasing access to health insurance. Seems like common sense to me.