Medicare is experiencing higher than projected spending and earlier than projected depletion of the hospital trust fund. Many options are being considered to fix the problem. Hillary’s latest “Buy In” option is most alarming. Essentially, the “Buy In” option would extend Medicare int0 the 55+ age group which would result in higher Medicare premiums to the 65+ to cover the cost of the extended program. The analogy is ” If we are losing money on an average Medicare patient now, let’s add more patients”. The “Buy In” option would result in a massive adverse selection effect bringing more sick patients between the ages of 55 and 65 into the program, effectively accelerating the earlier depletion of the hospital trust fund.