The Missing Ingredient in BCRA: Humility

And history teaches us that when we don’t know how to solve a problem, the best thing to do is to experiment. We should test different ideas through a cooperative, bottom-up, trial-and-error process rather than imposing top-down, partisan power-plays that disrupt the lives of hundreds of millions of people at a time. — Senator Mike Lee

Replace all Health Insurance with Cost Sharing—A Plan to Replace Obamacare

by Robert John Stevens, December 1, 2016

For President-Elect Donald Trump to abolish Obamacare, a new plan cannot play in the same health insurance playground:

1. To win, stop calling it health insurance. A better and more descriptive replacement name is free-market shared medical costs.

We reduced our family health insurance from $1,800 to just $440 a month with Liberty HealthShare. Their website says, “Liberty HealthShare℠ is not insurance. It simply unites like-minded Americans to share medical costs together.”

In 1995 we paid $300 a month for health insurance which was affordable for me to be an entrepreneur. Fees increased steadily and at the peak we paid $1,800 each month. After discovering doctors give big discounts for cash, we went without health insurance for months until the Obamacare premiums became to expensive.

2. Declare the proper role of government is not to be in the healthcare or health insurance business. Neither power was delegated to the federal government in the U.S. Constitution.

3. Increase penalties for fraud.

Liberty Health Share is easy. We submit our bills. They send us checks in the mail. We’ve done it for about 18 months. It works great. Without it I couldn’t remain an entrepreneur.