It may be that Siemens faces its hardest battle for market share in health care, which accounts for about one-sixth of its revenue and one-fifth of its profit.

I think we would have a more dynamic labor market if health care were decoupled from employment, and employers would be better off if they didn't have the administrative and cash-flow burden.

Many want affordable health care, affordable education, and they don't want it to be subject to the vagaries of an unregulated market.