Despite the best efforts by Sen. Bernie Sanders and Pres. Barack Obama, among others, to expand government-provided insurance, the private sector still works better.

To fix leaking underground storage tanks, the state spends more than $2.6 million a year, plus $3.8 million in federal bailout money the next two years. A new paper finds that private insurance, by providing incentives, can cut the occurrence of leaks by 20 percent.

Safeway has saved 40 percent on health care through incentives. Patient-directed health plans have also produced savings. Insurance in Massachusetts, however, has gotten more expensive for people and government under reform. And the partial price tag for bills before Congress start at $1 trillion.