1. Every american citizen is to be granted a yearly fund for medical  
    expenses, which would be equal to a calculated maximum allowable  
    health care budget, divided by the number of american citizens, 
    weather living or not living in the U.S.A.  

2. The fund could be managed by a type of "credit" card system, with  
    quarterly statements given.  

3. People would be encouraged to use their fund wisely; that is, they  
    would demand best care at reasonable prices.  

4. People would be also encouraged to eat well, exercise, not to smoke or  
    drink, etc., so as to keep healthy and save their unused fund for real  
    medical emergencies. Their un-used yearly fund would be allowed to  
    accumulate. By keeping healthy, people would be able to "save" an  
    ever growing fund for older age, or to share with a loved one. At the  
    end of his/her life, the remainder fund would be inherited, or donated 
    to a charity organization (such as the cancer society, etc.).  

5. An administrative advantage of the plan is that national health care  
    expense would be under control, and available resources would be  
    equally shared by everyone.  

6. Insurance companies could still provide for the excess medical care.  
  

I faxed the 6-point proposal above to Mrs. Clinton on Feb. 22, 1993, and later on I did receive a printed note thanking me for my contribution.  

Obviously, my proposal was too simple too consider, and/or perhaps came too late.  The machinery for the much more sophisticated proposal was way in its course, and nobody dared to stop it for such a simplistic solution:  a complicated proposal which at the end nobody liked or approved; surely the creation of politicians and professionals with intricate minds full with technical detail.  

A SIMPLE SOLUTION: give everybody a "savings" account, and let each one decide how to use the "funds".  Of course, it has one condition  attached: to use it for health care only.  

SEARCHING FOR FLAWS:  

- there are going to be people who will try too hard to save for the future, and not go timely to the doctor or spend on medication.  I am sure that some will go to these extremes, but this doesn't make the system a failure. After all, most people have normal minds and would decide reasonably, wouldn't you?  It would work well for the greater majority, and that makes it a winner in a democratic society.  Besides, like everything else, the "extremists" will sooner or later live the results of their behavior and learn from the experience. There will be much to learn in the "simplistic" system.  As with all that is simple, I trust that all will be for good.  

- there are the disabled and weaker bodies who need and use more medical care than others.  This is no problem: by statistical analysis, a distribution of funds would be made according to categories.  A claim with a simple questioner which would require let's say 3 doctors to sign would automatically add to the patient's fund according to pre established disability categories.