It took me some time, and constant reminders to think selflessly, to get to this point:
Health Insurance is a front for huge fraud and theft.
We need to take back the freedom to manage our medical care however we see fit.
Doctors, hospitals, and pharma will have to earn our trust.
Capitalism will manage health care prices, if they want money they will compete on price or people will go elsewhere.
Employers and insurance administrators will no longer control our choices.
Put up to 100% gross, pre-tax, into an HSA with no spending restrictions.
Lawsuit protection for Doctors, no more malpractice insurance.
So much power and control has been eroded from individuals over the last few decades.
Return power and control to the people!
Outlaw Health Insurance!
Health insurance has distorted consumer and provider incentives and not helped health outcomes. Abolishing the health insurance racket might be the only effective way to correct and bring transparency to prices, in favor of consumers It would be a healthy choice both economically and well, for our health. And it would save the government trillions of dollars. To fill the gap, states should insure interest-free loans for high medical expenses. More healing disciplines must be added to the eligible funding categories including homeopathic and energy healing. Licensing should be abolished and replaced with earned credentials based on education, level of accomplishment, and customer satisfaction.
Customer satisfaction: this is a hard one. Prescribers who inappropriately or prescribe more loosely antibiotics, controlled substances, order more labs and imaging that patients demand to make them feel better (even though often not necessary which will drive up satisfaction scores but also unnecessary healthcare costs.
Patients do not know what’s medically necessary and while they may demand a benzodiazepine or a MRI it may not be medically necessary as determined by the physician.
Part of a physicians job is saying no to patients. Patients ofc will be dissatisfied!
What’s medically necessary should be a doctors decision though and not an insurance agent who never received medical training!
Medical Reform Act of 2025
Preamble
An Act to restructure the healthcare payment system in the United States, promoting affordability, transparency, and accessibility while reducing administrative burdens on patients and providers.
Section 1: Title
This Act may be cited as the “Medical Reform Act of 2025.”
Section 2: Outlawing Health Insurance
(a) Prohibition: Effective January 1, 2026, no entity may offer, sell, or administer health insurance plans for medical services within the United States, except as provided under Section 4 (Medicaid).
(b) Definition: “Health insurance” refers to any contract or plan that covers medical expenses, excluding supplemental coverage for non-medical costs (e.g., disability income or accidental death benefits).
(c) Transition Period: All existing health insurance contracts must terminate by December 31, 2025, with no renewals permitted.
Section 3: Cash Pay System
(a) Implementation: Beginning January 1, 2026, all payments for medical services, including doctor visits, hospitalizations, surgeries, diagnostics, and prescription drugs, shall be made directly by patients to providers using cash, check, or electronic payment methods.
(b) Price Transparency: All healthcare providers must publicly post standard cash prices for services and goods, updated annually or upon significant change.
(c) Enforcement: The Department of Health and Human Services (HHS) shall establish penalties for providers failing to comply with pricing disclosure requirements.
Section 4: Preservation of Medicaid
(a) Continuation: The Medicaid program, as established under Title XIX of the Social Security Act, shall remain in effect and unaffected by the prohibition on health insurance in Section 2.
(b) Eligibility and Funding: Existing eligibility rules and federal/state funding mechanisms for Medicaid shall continue unless otherwise amended by Congress.
(c) Provider Participation: Providers may accept Medicaid payments alongside cash payments from non-Medicaid patients.
Section 5: Health Savings Accounts (HSA) Expansion
(a) Contribution Limits: Individuals and employers may contribute up to 100% of an individual’s annual gross income, pre-tax, into a Health Savings Account (HSA) each year.
(b) Tax Treatment: Contributions remain tax-deductible, and withdrawals for qualified medical expenses (as defined by the IRS) remain tax-free.
(c) Rollover: Unused HSA funds shall roll over annually with no expiration.
(d) Accessibility: All individuals, regardless of employment status or income, may establish and contribute to an HSA.
Section 6: Lawsuit Protection for Doctors
(a) Liability Shield: Effective January 1, 2026, physicians, surgeons, and other licensed healthcare providers shall be immune from civil lawsuits related to medical malpractice, except in cases of gross negligence or intentional harm, as defined by state law.
(b) Elimination of Malpractice Insurance Requirement: No state or federal entity may require healthcare providers to carry malpractice insurance as a condition of licensure or practice.
(c) Dispute Resolution: A federal mediation program, administered by HHS, shall be established to resolve patient-provider disputes outside of court, with non-binding recommendations and capped compensation limits.
(d) Gross Negligence Exception: Lawsuits alleging gross negligence or intentional harm must be proven with clear and convincing evidence, and damages shall be capped at $250,000 per incident, adjusted annually for inflation.
Section 7: Implementation and Oversight
(a) Effective Date: Unless otherwise specified, this Act takes effect January 1, 2026.
(b) Regulatory Authority: The Secretary of HHS shall issue regulations within 180 days of enactment to implement this Act.
(c) Funding: Appropriations for enforcement, mediation programs, and public education campaigns shall be allocated from existing HHS budgets, with additional funding subject to Congressional approval.
Section 8: Severability
If any provision of this Act is found unconstitutional or unenforceable, the remaining provisions shall remain in effect.