1. Do away with employer tax deductions for employee health care and replace it with a $2,000 tax credit for individuals with income below $150,000. Index the tax credit to inflation. The AMA supports getting employers out of health care too. http://www.ama-assn.org/ama1/pub/upload/mm/363/eh…

2. Replace Medicare , Medicaid , Indian Health Service, State Children's Health Insurance Program (SCHIP), Federal Employees Health Benefits Program and full coverage health insurance with a Federal Health Care Credit Card payment system. A credit card would be issued to all citizens. Credit card debt limits and minimum payments would be set based on the income and the net the assets of the card holder. Those below the poverty level would have very low payment requirements, the highest debt limits and the lowest interest rates applied to their credit card debt balance. Those with high income would have high minimum payment requirements, low debt limits and a high interest rate on the credit card balance. To keep demand in check everyone should be required to make a payment per month that they can afford. A minimum payment schedule would be updated annually. The credit card balance would be the first debt paid from the card holder's estate at the time of death. The card holder controls usage and provider selection.

3. Require all health care providers to publish standardized quality metrics and a price list for all services offered.

4. Require only one price for each service or package of services, no special deal pricing or price discrimination for anyone.

5. Tort reform to limit awards and limit lawyer fees to reasonable amounts.

6. Regulate insurance companies requiring them to only sell insurance to individuals and families and only sell at one price for each age group. Do not allow insurance companies access to medical records. Only allow insurance coverage with deductibles above $5,000 indexed to inflation. The individual would use the Federal Health Care Credit Card to pay premiums, would be required to submit claims directly to the insurance company (like car insurance), and the insurance Company would pay claims to the Federal Health Care Credit Card. This would get insurance companies out of the practicing of medicine.