I have been reading up on this and I think this might work, but would like to hear some reasonable responses from folks here. Problem: Not all Americans have health insurance, some because they choose not to and some because they cannot afford it. Solution: A reform of existing programs to allow for affordable choices and mandate an affordable minimum health care option. Justification for minimal insurance; to cover financial obligations due to humane medical care and compensating the Hospital/emergency care giver. How to implement said solution: 1) Reform Medicaid: a. ... to be fully welfare and not obligate recipients with any cost obligations or loans. b. … remove state obligations to Medicaid (violation of 10th Amendment anyway, IMO) c, ...allow people to pay a premium to get Medicaid as though it were a publicly funded insurance program, with premiums prorated to income level. 2) End state medical pools and replace them with one national level medical health insurance pool that allows cross state insurance. The average of comparable coverage premiums in this pool would be used to set Medicaid rates at a 20% discount. 3) Maintain Medicare at current condition and do not touch it or divert it from its role as primary care for the Elderly. 4) minimum Medical health insurance would be Catastrophic care policies with a $3000 deductible. 5) Medical savings accounts would be revived allowing savings of up to $3000 from pretax earnings. This could be used for private health care insurance or public health care. So, what do you think? Did I miss anything?