Do you think about health insurance like you do auto insurance? That is the comparison California, Gov. Arnold Schwarzenegger wants residents of his state to think about.

Early this year, the go-vern-a-tor wanted all Californians to have health coverage by spreading the cost among individuals, businesses, hospitals, insurers and the government.

To a point, this kind of socialized medicine would make health care cheaper and more accessible for millions. For those that are small business owners and those who don't like to subsidize costs for others, this is probably not a plan that has a fan. Something has to be done, though. American health care is the joke of the civilized world in many respects.