Replace health insurance with HSA Accounts

Create a federally structured Health Savings Account system.

Funds from individuals are not pooled, everyone only has access to what they put in and employers match employee contributions(like a 401k). After 65 or as needed, the funds can be used to cover assisted living and long term care facilities.

The funds never go away, but each year there is a tax on NEW contributions, those taxes are all allocated to a national emergency care fund to assist those that who have need.

Upon an individuals death, up to $1 million per person can be passed on to immediate family members tax free. Anything remaining is placed into the emergency care fund.

Offer incentives by way of tuition payment assistance to practitioners who offer the same rates to HSA patients as those who are paying with insurance.