Eliminate employer supplied comprehensive healthcare insurance require employers to pay employees a fixed sum they may use to purchase insurance on their own and reduce overall healthcare costs.
Families can purchase the healthcare insurance that fits their specific needs at a cheaper price. They also would seek healthcare and pay the provider directly, and submit the receipts to the insurer for reimbursement according to their agreement. This would also reestablish a better Doctor-Patient relationship, reduce unnecessary office visits and improve overall care.
This is a return to the methods used PRIOR to the creation of HMO's in the 1970's, and a return to choice and personal responsibility.



