One of the major problems with our health care system is the inability for those with pre-existing conditions to purchase health insurance. Currently on our federal tax return we are asked to voluntarily contribute a part of our tax dollars to a Presidential Election Fund. Perhaps, we can also be given the option of contributing some of our tax dollars to a Health Care Fund which would be used to help fund catastrophic health insurance plans for those with pre-existing conditions. The fund would be managed not by any government personnel but by health care providers including doctors, nurses and representatives of health insurance companies. Funds would be issued to insurance companies who provide reasonable inclusive insurance plans that would satisfy the coverage of those unable to acquire regular coverage. Providers who participate would be asked to customize their charges to make the program more cost effective. The fund may also be used in conjunction with health care savings accounts for those who can afford some of the cost. With some tweaking and the cooperation of all those in the health care industry, the fund may be a good starting point to generate at least some of the funding to cover those unable to get health insurance at this point. Separate from the fund some form of tort reform would add to the lowering of the costs of health care.