The unbelievable catastrophe that is (the Medicare situation) is a prime example of ideology dominating sense. Here the unquestioned assumption that you're making people better off if you give them more choices is just plain wrong. Some people who can't process the intricacies of Medicare are making the choice not to participate at all.
There's an ice cream place in Vancouver that has 200 flavors, if you can believe that. But the people who go there end up less satisfied with their purchase than the people who buy their ice cream at a place with only 20 flavors. Yet people are lined up out the door at the place with 200 flavors because it seems like you're more likely to get exactly what you want.