That would be a useful kind of “single payer.”
The insurance biz depersonalized medicine.
I like the idea of clinics that offer clinic coverage at subscription prices.
Imagine a doctors office on every street corner.
And each family pays a subscription of $1000 a year for single or $2000 for family
You also pay a per visit fee of something minimal (like $10) just to keep everyone from going there every day to chit chat with the doctor (hey it’s free!)
With a mere 100 families he is making a decent living. and this is just for your daily health needs, 99% of all health care.
Then for catatrophic problems (broken leg, heart attack, etc) you have major medical insurance for about the same price.
And you get to deduct any medical cost from your income, for income tax purposes.
Loser Pays, for malpractrice cases. (cuts 99% of malpractice litigation, i bet)
This covers everyone, keeps the LAWYERS out of it, AND the government and the costs would drop dramatically (most overhead is paperwork)
Comapnies that make drugs, do THEIR OWN testing. The government only verifies that they have done the testing and it is peer reviewed for thoroughness. Companies that fail to do so would then be criminally liable. And for somethign thjat does not show up 40 years from now, hey... nothign is perfect. You gotta know that going in.
Now that Ihave solve health care... what’s next?