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My plan is to make third-party payment of medical expenses illegal (other than for catastrophic). Costs are out of control. Push down the costs and you, well, push down the costs. Get rid of the insane paperwork. What's now spent on med insurance would ultimately make its way into salaries. A dr visit would cost $40 instead of $100 (one doctor friend of mine said that 30-40% of his revenue is spent on insurance-related paperwork). The price of pills would come down. All you need is to have people being in charge of their own care. The biggest losers would be insurance companies and to a somewhat lesser extent pharma companies.
Yes, there would have to be some tinkering (the basic concept is sound but there are kinks that need to be worked out), but it's pretty clear to me you'd see benefits right away, and increasing over 5 years before levelling out.
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