Suppose it were legally safe for a private insurer to offer death panels – presumably after talking to marketing to get a better name.  (By “legally safe” I mean not just the absence of contrary regulation, but a strong expectation that the death panels wouldn’t provoke lawsuits).  How much would this have to reduce the cost of health care to be acceptable to the typical American worker?  Assume that due to competition, workers get 100% of the cost savings.