I want a free market system. Cash and carry. No third party payers except insurance through mutual aid societies or charity organizations. Get the politicians out of the system.
Good post. I’d add some type of catastrophic coverage, but you’re on the right track.
When unions were able to add “health insurance” to wages as a way to circumvent WW2 wage controls, it set the stage for skyrocketing costs.
Anything that separates the user from the costs is going to cause that.