Recipients of benefits want all they can get. In contrast, when people spend their own money, they seek only what they need and can afford. By making health insurance a benefit, we make inevitable a destructive struggle between administrators and planners responsible for the total spending budget and the beneficiaries seeking to maximize their own individual proceeds. The result of this battle is a system so unwieldy that no one can make it work. That is an enormous waste of valuable resources.
Most reforms favor a one-payer national health insurance.
That would only institutionalize and magnify all that is already wrong. There is a solution. We must scrap the current system entirely and start fresh. The new system would simplify health care to a manageable level. In fact, written into the law would be the requirement that all rules and regulations exceed no more than one hundred pages without any small print.