[dan1123]

Or you could just require everyone to deposit 10% of their income in a tax-protected Health Savings Account. Each individual would have full control over how the money is spent.

I think the problem with that is you would have a small but significant percentage of people have conditions that wiped out their health savings accounts. That is the reason for health insurance anyway.

[proxy_user]

But if everyone did this, it would be quite cheap to purchase insurance against running out of money, and everyone could be required to do that too.

The chief problem would be getting the thing started, and allowing time for balances to build up.