All things considered I think some of ben Carson's meeical plan was a decent idea. Basically hsa at birth that Carrie's on forever and can be used to pay premiums. I would even be on board with small government help into the hsa because it would allow you to keep the costs down to tax payers. Give people tax breaks on them. It puts the money in their control so they can make decisions on what to use it on and what to bypass as opposed to things like Medicaid where people never see the costs so they use it on anything and everything they can.