Five steps to fix health insurance in America

American healthcare is rife with controversy. It's one of the most divisive topics on social media and in each political election cycle. It's also divisive within professional advocacy groups and professional associations. There are interconnected personal, social, economic, and governmental constructs that often strike emotional chords. In this article, I'll lay out a stepwise framework for fixing an important part of our broken healthcare system: health insurance. 

Three Important Notes

1. This article is a summary article, with each 'step' linking to a more in-depth article diving deeper into the issues. 
2. The 'steps', while sequential, must all be completed to be effective and mitigate unintended consequences -- rapid implementation of the sequential steps is ideal.
3. Health insurance is only one element of improving our overall health and changes in this industry must be accompanied by changes in other areas of our society. 

Step 1

Full Article Here

Require insurance companies to separate the premiums for the different components of health insurance akin to the way they separate comprehensive insurance, collision insurance, maintenance, prevention, etc. related to car insurance, warranties, and maintenance plans. This will radically improve transparency regarding which components of health insurance are expensive, allow health policy discussions about how to reduce costs of each element, and allow flexibility for individual choices for each element.  

Step 2

Article to be released on 2/17/2025

Step 3

Article to be released on 2/24/2025

Step 4

Article to be released on 3/3/2025

Step 5

Article to be released on 3/10/2025