[pkaye]

> Many people might be OK to get smaller premiums and better coverage throughout their life by explicitly rejecting coverage of end-of-life care.

This never works out. Right now many people buy low quality high deductible health insurance expecting never to get sick and then balk when they suddenly get ill and end up paying a huge deductible. People don't assess correctly what they need later in life. When people are denied the health care later due to these decisions, the death panel rhetoric will be brought up.