WOTC - 3M system

I asked this question in the Wisdom of the Crowd:

What are your views about our 3M system - Medisave, Medishield, Medifund

Here are the responses: (44 Votes)

45 % - It is too complicated for patients and health care providers
43 % - It is a broken system.
9 % - It has led to escalation of health care cost.
2 % - It is a good system that has served us well.

See the pie chart at: 
http://www.wisdomofthecrowd.sg/chart.aspx?ID=1195