Free and voluntary association … guaranteed by the Constitution … and people will figure out an optimum non-bureaucratic system of medical cost insurance.
For example: http://www.solidarityhealthshare.org
For example: http://selfpaypatient.com/2016/09/20/a-new-catholic-sharing-ministry/
We already had that when Senator Teddy Kennedy, RIP, Democrat, declared it illegal.
HSA + catastrophic + interstate purchasing = the lowest cost, highest quality medical insurance coverage.
Get rid of the bureaucrats.
AND, if people with chronic major conditions need financial assistance, then use the Form 1040 MED following the same formula as already in place for low income people, the Earned income Tax Credit.
The Form 1040 MED can be filled out by the hospital or other medical provider; the IRS already has the necessary information on the person’s income to calculate the payment to the hospital or other provider and to send the payment immediately.