Proposed is a radically simple solution for superior and affordable health care with minimal government subsidies and intervention.

Traditional compromises:
- Reimbursement depends on properly 'coding' services rendered (SR) resulting in increased overhead, delayed and reduced payments.
- Malpractice insurance is major expense, limiting treatment to FDA's current (myopic) 'standards-of-care'
- Paper records are expense to maintain, archive and error-prone. This information is lost when a patient changes provider and not readily accessible/exchangeable.
- Data is not available to fully understand and predict treatment outcome/drug interactions - requiring billions of dollars and years of clinical studies, which sadly will never happen.

Solution:
Government - Health Savings Account (HSA) currently exist and allow pre-tax contributions. HSAs do not expire but are limited to employer. Policy changes would require increased contributions and allow HSA to be inherited to benefactors.

Corporation - an all-electronic web-based insurance company (WBIC) which manages (HSA) and receives payment as a percentage of each transaction. WBIC produces intuitive and comprehensive web-app mirroring current workflow/ papers leveraging HL7/DICOM /security best-practices - minimizing payroll/human intervention. Malpractice claims are peer-reviewed for proper & expedient settlement*

Patient- Individuals/Families application is immediately assigned a credit limit based on their credit score. They are given a credit-card which is linked to a HSA account. An actuary assesses client's life-long health expenses, recommends a monthly contribution to the HSA which the client (optionally) complies.

Providers - receive immediate payment upon service-rendered - the amount based on the average realized by current insurance plans. ($40 routine office visit which many times is typical co-pay by patient!). Providers do not require malpractice insurance!*

How-it-works - Using 2-step authentication patients login to account anywhere there's internet access. Here they can view their history, choose a provider based on reviews, availabilty, location, schedule appointments, review treatment options/pharmacies etc.

At the office patient/providers reviews the records and explores treatment options including non-conventional (instead of pills Rx massage for tense muscles), schedules procedures, knowing the cost beforehand, etc. Dr's orders, prescriptions are electronically processed to reduce error and find best prices (Rx).

Provider payment is immediately withdrawn from HSA or on credit-card if HSA is underfunded.

*Malpractice - Providers are randomly assigned 'jury duty' and anonymously review a case. Their decision determines liability and $$$ if applicable. Cases are limited to $1M and patient has no further discourse and the 'guilty' provider is probated, three strikes and they're no longer eligible.

Adoption - once the system is in place a media-blitz of conventional and social outlets will ensure viral-status, maximizing exposure and enrollment.

Caveat - The Veteran's Administration is the largest repository of medical records in existence. A recently successful clinical study involving 'data mining' these records has saved millions of dollars and years versus a conventional clinical study. Such studies can become mainstream while securing client data - change the future of healthcare and mankind!