You get a price list negotiated by Amazon or Costco and force providers to keep costs reasonable for health services that we all use all the time. Getting an annual physical or taking your kid to the doctor with an earache is not really insurance it’s just prepaid healthcare.

Then they create cheap catastrophic coverage alongside—-for the events we hope never come ...cancer, broken neck etc. can’t do one without the other. These are the risks for which you need insurance.

They could require a annual premium for the insurance part AND a mandatory cash account that covers the deductible if you need the catastrophic coverage. Serves as your Buy In for the whole deal.

They could even do a charitable foundation alongside that’d allow those that couldn’t come up with the 10k buyin for the catastrophic deductible an interest free loan to get in the group right away.

Your membership to the group that skirts the problems of adverse selection and underwriting is Amazon Prime or Costco Membership. You could still weed out dummies that smoke or weigh 500 lbs.

The laws would have to change allowing a nationwide health insurance policy instead of having every state be able to weigh in on every friggin detail. It’d remove massive costs right now having to staff and run departments and licensing to deal with 50 sets of rules.


50 different State insurance commissioners out of a job!