You don't really have to be a rocket-scientist to sit and visualize how to make a simple $39 a month health-insurance concept to work.
So, you start with cigarettes being taxed at a rate of $40 a pack. Smokers will have to make a decision whether they smoke a pack a day....with the monthly cost at roughly $1,200 or they quit (the intention).
Then you go and ration out beer, wine, and alcohol. Your limit? Basically two six-packs of beer or two bottles of wine, or one bottle of booze per week. Cheating on your limit? A $1,000 fine.
Sugar content in candy, snacks, sodas and food? You force the companies to cut sugar content by fifty-percent.
Weight situation. You draw a simple line on weight. A guy who is 6 foot 1 inches tall....can weigh a max of 185 pounds. Every pound past that point is a $50 a pound tax figured onto your income tax each year. You come down to the county court-house in January of each year to figure out your weight, and send the weight credit to IRS. You weigh less than 185 pounds...you get a $10 a pound credit.
Got a guy on a drug-overdose? Notify the dispatch unit to look the guy's name and address up. First time ever? You do everything possible to save the guy. Second time.....you do absolutely nothing. Leave him there. If he makes it....fine, if not....he's not going to cost you any further money.
DWI accident? Once they assess your alcohol level....they send the note to IRS. You get assessed a $2,500 tax for alcohol-stupidity.
Rehab for alcohol or drugs? You get one single free rehab for your entire life. The second rehab is assessed and fifty-percent of the cost is handed to you via IRS. The third rehab? 100-percent is assessed back to you.
In a period of five years, you'd slowly watch as each year....the health-insurance package drops. All of the incoming taxes are handed over to the health-insurance bureau. Through some simple deductibles (out-patient set at $20 a visit and in-patient set at $150 a day), you would find health insurance very affordable.