Establish a government bond for seniors for the payment of their health care or their descendents higher education.

The goal would be to allow seniors to fund, exclusive of taxes, their own health care and to provide for their descendents educational development. It would need to be similar to an IRA, for the purposes of long term saving, but could be in either the senior's and their spouses names and would allow for their or grandkids health and education. We would wish to limit the outgoing payments to properly accredited hospitals, in installments designed to match the currently established rates by CMS and any neccessary expenses. We would further need to limit outpayments for education to appropriately regionally accreddited educational institutions, (if feasible - we could further subsidize these by requiring state colleges and universities to view payments from the accountsasinstate payments.