So much of our discussion on health revolves around insurance. But Ari Armstrong and his wife have a different vision for insurance: "Our goal is to never need to make an insurance claim."

Why?

One reason is that it's a financially smart move to plan ahead: "By paying less for high-deductible insurance, we've been able to pay off debts faster and prepare for a family, something that has been difficult given our high tax burdens."

Along the way, Armstrong also discusses Colorado's "Blue Ribbon Commission for Healthcare Reform," which "basically went nowhere."