The people who are coming to town halls have a point. Their justifiable anxiety (some of it sparked by politicians and the news media) stands in the way of a down-payment on reforming Obamacare in short run and reforming our health care delivery system in the medium to long term. These vocal town hall participants are part of the 1 percent of the USA population that incur 23 percent of the cost of health care in the United States. Here's how we can help these people without raising insurance premiums for the other 95 percent!