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Regina E. Herzlinger, professor of business administration at Harvard Business School and the author of "Who Killed Health Care?" has written an interesting article about portable health insurance published by the Washington Post.

Herzlinger's point is that universal mandates aside, neither Clinton nor Obama's health care plans is the most beneficial to the public. Instead, she argues, portable health insurance would change the health care market as a whole, forcing insurers to lower prices in the name of luring consumers with more options. After all, we purchase our own life insurance independent of where we live and who we work for, why not health insurance too?

Other aspects of her plan would include offering insurance companies more money to insure those with pre-existing conditions. This would mean that those who need insurance the most would be certain to get it. She would also offer tax incentives to individuals who purchase their own health insurance, and offer subsidies to those who can't afford the new, lower health insurance premiums.

She ends by referencing how such a plan has been working for Switzerland, where health care is both mandated and consumer-driven. And, with the Swiss enjoying some of the best health care in the world at a fraction of what we pay, it's easy to see why portable health insurance might just be the answer to our health care woes.