Americans are throwing $2.2 trillion at rising health care costs. But experts say there's a way we can cut out as much as $1 trillion. "Take better care of ourselves," says Margaret Lewin, MD, medical director of Cinergy Health.

It sounds simple. Take care of yourself, spend less on health care.

But experts say Americans are missing the mark when it comes to smoking, diet and other lifestyle choices.

For the second time in as many weeks, upstate New York's ailing economy got a $100 million shot in the arm. Today, Attorney General Andrew Cuomo announced a historic nationwide reform of the consumer reimbursement system for out-of-network health care charges. A new not-for-profit company, FAIR Health, Inc., and an upstate research network headquartered at Syracuse University will develop a new, independent database for consumer reimbursement. The team will also create a new website that gives consumers the chance to compare prices before they choose their doctors--something that's never been done before.

Joining Syracuse University in the upstate research network are the State University of New York at Buffalo, Cornell University, University of Rochester, and SUNY Upstate Medical University. The new database will make FAIR Health a center for health care research and an engine of health care reform.

When I arrived at the hospital, my father lay unconscious in the intensive care unit. A staff member was able to waken him. He opened his eyes and, recognizing me, moved his hand toward mine. Then he quickly lapsed back into an unconscious state.

My father was 88 and had multiple health problems: emphysema, chronic obstructive pulmonary disease, and now, a second bout with pancreatitis, which had sent him again to a hospital. Years of tobacco and alcohol use had caught up with him, yet he had survived a stroke years before and was still living at home, by himself, and had no terminal diseases.

My brothers and I thought our father had a living will, but a call to his lawyer proved otherwise. So while he lay unresponsive, hooked up with an array of tubes, we discussed what he would want in medical care.

In other words, we became a family ''death panel'' of sorts. But not a government bureaucracy rationing health care to the sick and disabled, as envisioned by opponents of health care reform. The proposed legislation would pay doctors if a patient wanted to discuss end-of-life care, including a living will and hospice. It would be a voluntary consultation.