Dr. Rob proposes some ways to deal with the people like me:

5% of Americans account for over 50% of the overall cost of care...These are the uninsurable people - those who are truly expensive to treat.  There needs to be very close management of these people.  Leaving them uninsured doesn’t reduce cost, it just shifts it to hospitals and local government.  It also leaves them unmanaged.  Of the waste in healthcare, the likelihood is that a very large percent of it is in the high-utilizers (by definition).  These people need management, either in a “medical home” or by some sort of care management.