This has been out for some months, but I'm just now looking at it. If there is a thread already on this topic I was not able to locate it. Earlier this year Rand Paul came out with a proposed bill to reform the US healthcare system. Here is the summary of it in PDF and a video of him explaining portions of it. https://www.paul.senate.gov/imo/media/doc/ObamacareReplacementActSections.pdf On the surface it seems like a good plan. Allows a person to tailor insurance to their needs, instead of a 60 year old having to carry pregnancy coverage. It allows a 2 year window for people with preexisting conditions to get enrolled and once enrolled they can't be refused again. It changes the tax code so that a person can get individual insurance as well as businesses. It drastically (in a very good way in my opinion) overhauls the Health Savings Account system, making for unlimited donations, 5K tax deductible, and broader definition of "medical" to include weight loss, and general health items and programs. Just to name a few. Promotes doctors to do charity work through tax incentives. Allows IHPs (Independent Health Pools) which allows individuals to pool together for lower costs. Allows insurers to sell in any state. Allows small business operations to pool together based upon being a member of an organization. (Plumbers as an example) I'm not sure why this has not received any traction, but on it's surface it seems to have all of the qualities to lower insurance costs, thus making it more affordable for all.