Medicare is running out of money. That’s not news to plan sponsors. They too are running out of money to fund the American health care beast. Some propose “Medicare for All” as the solution. Others say “Let the free market handle the problem!” The problem is there is no free market in health care and Medicare is running out of money because government doesn’t know how to solve health care either. Meanwhile, a few plan sponsors have solved health care the old fashion way using traditional American business practices based on common sense, reason and logic.