My impression is that there won't be an actual panel who sits and makes a judgment call on each patient. Rather, I think it is just part of the law which forbids doctors from treating people over 75 unless they can pay out of their own pocket- which few of us can ever afford. As someone once said- "When you control their healthcare, you control them" All of this "Free healthcare" at the hospital isn't really free as the costs are passed down to you and me. We also need tort reform