Today’s NYT has a great article on WalMart’s covert deliberations about its health plan. The article is based on an internal memo discussing the company’s policy. The memo prepared for by McKinsey and Company calls for getting rid of “cross subsidization.” Insurance is, actually, mostly about cross-subsidies. McKinsey recognized however that they are costly. So their plan is simple. They want to prevent less healthy workers from good benefits by using things such as Health Savings Accounts coupled with a high-deductible catastrophic health plan. This essentially boils down to making plans that only work well for young, unmarried and healthy individuals. Health care is going to be an interesting issue over the coming years.