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These are good suggestions for a patchwork approach to reform, but are likely to see unintended secondary consequences that limit or even reverse the good effects. At this point in our national health finance history, over the length of which we have seen our system drastically and increasingly driven into dysfunction, we can only reverse the damage and overturn the power structure by radically enforced return to a free market. Government will have to criminalize third party payment of health care costs, returning insurance to actual insurance (pooling of resources to guard against catastrophe for any individual in the pool). Ban all but catastrophic insurance and, ideally, end government middleman payments through Medicare, Medicaid, Veterans Admin and Tricare. Set up a safety net for the poor using cash payments or vouchers for low income patients to carry to the doctor themselves. When citizens are free to take their increased income (as insurance won’t be an employment “benefit” anymore salaries will necessarily rise) and choose for themselves which health care products and services they wish to use their money to buy, a $100,000 a year drug you can only buy through the USPS will become a bizarre artifact of a screwed up past system.