Since there is a multiplicity of RSFs and providers, patients have the freedom to leave those with uncongenial attitudes or policies. Personal MSAs are transferable between RSFs. Patients have full access to the protection of law. No dividends are taken out of health system. Since members vote on executive salaries, they are kept reasonable.
Money previously spent on administration is available as reserves.
The investment income of the RSF decreases premium requirements. Government regulates permissible investments, for safety. With everyone insured, much more premium income comes into the system, so less needs to come from taxes. Mandatory proportional co-payments, cut demand. Competition among RSFs for members, lowers premiums.