The cure for healthcare starts with what is called the Transfer. Complete the repeal of all World War II wage freezes, including the employer-supported health benefit. That “benefit” represents wages earned by the employee but paid to an insurance company. Transfer those funds from insurance payments to the employee as compensation and make those funds tax-free if expended for medical costs.
The advantage to employers is obvious. They no longer will be held hostage to ever-increasing increased cost of insurance premiums, scheduled to increase 9% next year.
The advantage of the Transfer to consumers is equally apparent. If the additional funds were placed in a new, no-limit HSA, 157 million Americans would have enough money to shop for direct-pay medical and surgical care. Furthermore, insurance companies will have to offer what healthy patients need and want: catastrophic, high-deductible health coverage. Insurance sellers will have to compete for patients’ dollars rather than what they do now: compete for contracts with health plans and obey stringent federal insurance regulations.
Another advantage of the Transfer is to make much of the federal regulatory apparatus unnecessary and available for DOGE-like cuts in wasteful government spending although on a much greater scale – hundreds of billions — than the paltry $9 billion in the Rescissions Act of 2025.
