For those who don't want to pay for health insurance mandates or fines under federal regulations, here are some alternative programs and models already in existence. If you organize networks in your own community or state, to set up a business, you can deduct expenses 100% from taxes (if you set up a charity, deductions are only partial). Christians rely on each other to pay medical bills | Religion | Chron.com - Houston Chronicle (A friend recommended "Amica Mutual Insurance Company," but I can't find online) The Nurturing Network http://www.usaa.com If you want to take responsibility for financially seceding from funding government altogether: 1. set up a real estate rental business and deduct all expenses from your taxes Real Estate Investing Education and Mentoring ~ Lifestyles Unlimited you can also pay for your own retirement this way, by teaming up with other investors to buy out whole apartment complexes, without relying on 401K or social security 2. set up your own community based bank or microlending business for financial education Grameen Foundation | Combining the power of microfinance and technology to defeat global poverty. Home - Modest Needs® Ithaca Hours - Local Currency - Ithaca, New York or Ithaca HOURs Online: Home Page Again if you run it as a business, then expenses are 100% deductible (keep your books and records straight and consult a reputable tax attorney/accountant); if it is church based or charity based, the incorporation and required structures involve added legal requirements. Some laws recently passed require nonprofits to go through an additional filing procedure or lose their status starting in 2009. The government was also trying to crack down on the abuses of DBAs (which does not require incorporation) such as for consulting businesses -- but as long as you don't try to deduct any "home office" or "company car" expenses, those are two main areas that trigger audits. (If you start an educational program as a DBA, if you pay your team as consultants they are "independent contractors" and not employees, so they are responsible for their own taxes and deductions while you deduct what you pay out as business expenses.) The real estate rentals are the best way to deduct all expenses, but you need to keep your books open so if you go through an audit, all your deductions are documented.