You’ve clearly spent a S_tload of time working that all out. I will save it and read it...might be a few weeks.
I have a larval plan I’ve been sketching out, not yet complete. I am not in nor connected to the medical profession, though I have relatives who are docs.
One thing I will point out that I noticed right away is you have “categories” or strata based upon age. My sketch has categories but in mine they are self-selected. No, an 83 year man cannot self-select “newborn”. My point would be; I question that approach because there are super-healthy 65 year olds and and horribly sick 9 year olds.
Just offering my 15 second drive-by reaction to not having read your plan in any depth at all and I’m not even soliciting a response.
The other thing I would say is creating a single plan for every person, and one run by the government, differs from the ACA only in small detail. Medical care is minimally 5 times as expensive as it should be, and it is so very much because of gov’t involvement as things are and were before ACA. Until that is addressed it is my belief that no single concoction will ever fix much of anything.
Why all the work? Unless you are in Congress or work for the Trump adm, your work is DOA.