I can't claim to be 'objective' or neutral on health-care reform -- but who can? Everybody needs health care, some more than others. I need it less than most, as my family and I are, knock on wood, generally blessed with good health. Even so, we laid out $18K last year for health care, still owe money -- and no one in the family ever entered an ER, got a scan, received a prescription costing more than $100, or got admitted to a hospital. And we're among the lucky ones who can (supposedly) afford insurance. (We pay $10K for a plan with a $5K deductible.) This is one of several reasons I'm…