What if instead of you buying insurance, Non Profit hospitals were required to provide care, beyond the ER, and finance whatever portion the patient could not afford? It would be at a zero interest rate, with the monthly repayment, deducted from your paycheck, set at 10pct or less of your income. (Medicaid and Medicare wouldn't change ) BUT, the taxpayers would guarantee the payment to the hospital at 100pct of Medicare rates. Taxpayers guarantee small business loans. Guarantee student loans. Guarantee mortgages. And more. Why not the cost of care that is beyond your means ? This means the hospital won't lose money. They won't deal with insurance carriers and the incremental overhead burden, and so many other admin functions that run through the big carriers could be evaluated as well What do you think ?(Mark Cuban)