You can get gift cards to almost any store or Web site, for almost any good or service, so I suppose it was only a matter of time before someone created a gift card for something that leads to half of all bankruptcies — health care.

A Pittsburgh health insurer is selling Healthcare Visa Gift Cards.

Cards range from $25 to $5,000 and can be used for "co-pays at doctor's and pharmacies; dental care including braces and teeth whitening; vision care including eye exams and prescription sunglasses; memberships at health clubs and elective procedures including Lasik and cosmetic surgery."

To get a more extensive list of uses and details, check out the FAQs.

Getting a health care gift card isn't as exciting as Guitar Hero, but then again, what's more important than your health, right?

Are any of you considering this for that last, hard-to-buy-for person on your list?

The cards can only be purchased on-line and cost $4.95 plus shipping and handling plus a monthly maintenance fee of $1.50 beginning the ninth month after purchasing.

I don't know if this represents the dexterity and ingenuity of capitalism and consumerism or another sad indication of a failing health care system.

What are your thoughts?