​The CRA Structure allows a competition of governance, competing to become the best at creating solutions to substantial problems.  This CRA Structure also allows a representative body with executive power to handle some things that need to be done across the board.  Separating all governmental authorities into thirty Sectors allow top elected leaders to have 100% focus on just their Sector.

​However, the CRA Structure leaves most issues at the CRA level, and the vast majority of matters facilitated through CRA’s.  The CRA Structure allows CRA’s to be heavily involved or very lightly involved in regulating and mandating its members.  The Rating Floors could come in very useful.      

​Every Charity Economy, CRA and CRA organization would have a competition for the best planning, and implementation of everything listed below and much more.  The Rating System will rate and inform from a wide variety of perspectives.  Rating Floors could be raised in certain areas.  Both Health Care Sectors will have Sector Boards, which will have the authority with a 70% vote to govern over all CRA’s within the Sector only after trying Rating Floors.

​While the current president and governors are taking down some barriers to solutions, most obstacles remain.  Current labor laws make it hard to repurpose labor.  Licensing requirements inhibit a rapid increase in supply.  A lot of information and misinformation is out there, and people have a hard time trusting news sources.  We do not have the organizations needed to deal with spikes in demand.   

​The current government is looking at sending thousands of dollars to every American.  This is wildly irresponsible.  With tens of millions of people having their hours cut or totally losing their jobs, production is way down.  Our capital stock is taking a big hit.  When the government borrows trillions of dollars from capital stocks, for mostly consumption, our capital stock dwindles even further. 

​Our capital stock is directly tied to our ability to recover.  With a lower capital stock, we are going to be able to buy shovels versus backhoes.  Meaning, our productivity suffers, therefore our average income and standard of living.  Below, I address many issues related to people in hard times. 

​Money should always go from the people to the government and never from the government to the people.  This obviously excludes people working for government or government buying products and services.  It is an economic truth that the government must first take from the people to give to the people.  Increased tax rates lower economic activity.  The role of prices ensures that everyone pays taxes.  All taxes harm the poor the most.   

​The competitiveness of the CRA Structure allows dozens of government responses and hundreds and even thousands of private sector responses.  With about a dozen CRA’s doing their own models, the inferior methods would quickly fade, and the better processes would be improved. 

​The Charity Economy will play a significant role in crisis situations.  Every person will be a member of a Charity CRA, thus associated with a Charity Economy.  They will also be part of the Sector Board Charity Economy.  The Charity Economy will have a spreadsheet on all its members’ education, certifications, talents, equipment, and abilities.  This includes people and businesses.  Non-profit organizations, like clubs, scouts, churches, schools, among others, would be able to list their skills and abilities.

​The Charity Economy could quickly staff up for-profit businesses with established contracts or quickly put new arrangements together.  Many models would be considered in good times, so the correct models could be chosen when an issue arises. 

In non-crisis times, many people will learn how to be managers.  Current managers, teachers, stay at home mothers, and retired folks would be ideal.  A proper hierarchy and protocols will be established.  These ‘managers’ would be behind their computer screen with every tool and app available.  These managers would quickly build teams of adequate size and ability. 

​At the current date in late March 2020, unemployment is spiking.  These people and these businesses could be rapidly repurposed for the new temporary economy until the crisis is over, and the normal economy can be reestablished.  With roughly a dozen Charity Economies competing to do the best jobs, inadequate protocols will quickly be replaced.  The goal of a Charity Economy is to get people back into the regular economy as soon as possible. 

​The current national guard and FEMA addresses some of these concerns.  The CRA’s in all Sectors certainly will utilize the talents of the national guard and FEMA.  Some of these assets would be in the Military Sector and others in the Police Sector.  Many private sector businesses would take over these assets and contract with many of these and other Sectors.  The Sector Boards would ensure all areas are covered.   

One of the great ideas within the CRA Structure is that people need to start taking on their citizen’s responsibilities at the age of 13.  They are required to take out law enforcement, court, and prison contracts with a minimum financial obligation.  Starting at the age of 13, everyone must contribute roughly 5% of their earnings to charity through a CDA, with a minimum of approximately $1,200 a year.  The military is funded by sales taxes.

These two more substantial commitments and the requirement to start paying CRA and RA fees would create a minimum of roughly $3,000 per year in obligations.  All these obligations could be paid for with labor hours in the Charity Economies, CRA’s, RA’s, directly with companies, among other places.  It is likely that the first couple of years in the early teens would be training, on the job preparation, and learning the skills to be productive in the future. 

​A person’s Identity CRA would provide record-keeping on abilities and certifications.  There are 10’s of millions of teenagers in America.  If they do many courses of training and certifications, all documented in their Identity CRA spreadsheet.  These teens could quickly be put on teams to enhance capabilities when big things happen.  Imagine if millions of teenage girls could quickly be matched to families needing child-care when the schools shut down.  Planning in good times is key.          

​The Rating System would inform.  Having a competitive system requires a wide variety of perspectives.  The common man would quickly see the majority opinion and those with extreme views.  People will see many write-ups on the history of past predictions and every RA’s opinion about those opinions.  Every Sector having a complete Rating System will focus every RA to just their expertise.  This will create checks and balances.    

There is currently a lot of mistrust of information.  People do not want to trust the politicians from the other party.  There is a lot of reasons for suspicion from all party-affiliated politicians or pundits.  Experts with degrees and fancy titles wildly disagree on many issues.  It would be beneficial if the top 1,000 experts from a wide variety of disciplines and experiences determined the top 10 or 20 questions and have debates online.  These top 1,000 experts would come proportionally from each Rating Agency.     

​One of the mandates of an official RA is the mandate to debate the other RA’s.  Misinformation surrounds all events.  RA’s would employ experts in their Sector.  Science is often very debatable.  The interpretation and the full context of science are profoundly unsettled.  These experts, to some degree, would post questions.  The 1,000 experts would narrow the issues down with votes and debates.  All points would need a score from the other experts.    

The common man, politicians, and business leaders would quickly see how many experts agree with each issue.  There would be people designated to keep things simple with links for greater write-ups.  The Media and Communications Sector’s Rating System will have an easy to understand rating on the press.  The press and media teams from all RA’s would likely rate on truthfulness, context, fairness, and other relevant factors.   

​The Parent Sector Board, with a 70% vote, could establish a temporary tax to fund a specific Sector Board.  The Parent Sector Board could require an increase in CRA fees, so the funding stays at the competitive CRA level.  The likely first step is a Rating Floor increase on funding every members’ CRA to deal with the issue. 

In a pandemic situation, the Health Care Sectors would need quick funding.  All members mandated to fund their CRA an additional $100 could bring $30 billion quickly.  CRA’s that keep that type of assets in reserve would likely be rated high.  The Parent Sector Board could temporarily increase the mandated charity contribution percentage and minimum.      

​Sound money is far superior to government-created paper without inherent value.  Currency is a service that allows people to trade a universal good for a specific product.  The free enterprise system provides the best services.  Sound money is a certificate of ownership of items of real value such as land, stocks, bonds, commodities, and precious metals.  Haley2024 calls for about a dozen Financial Competitive Regulatory Agencies that regulate their member banks to issue their own currency.

​Having competition of roughly a dozen ‘central-banks’ means losing monopoly control.  The competition will quickly show healthy and inferior results.  As assets gain or lose value, it will promptly be realized within the value of money.  CRA Asset Portfolios making bad decisions will lose units of currency, and those making wise decisions would gain units.  Just like everywhere else within the free market, poorly run businesses lose their ability to control labor hours.  Yielding those labor hours to better-run companies.    

​All deficit spending needs to be tied directly to a future detailed tax.  That tax creates worth, thus an asset within a currency portfolio.  Most terms on those tax contracts will specify a higher tax rate when the overall tax rate is increased to compensate for the Laffer Curve effects.  This will restrain excess spending paid for with tomorrows money.  

Currency is a service from free enterprise’s invisible hand keeping a ledger that facilitates one-sided provision, yet two-party trades at different times, at different values, and the services provided going to and from the universe of all traders in proportion to each person’s provision.
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Interest rates are the price of the use of capital over time.  Prices are always the best method of distributing goods, thus the best way to allocate capital.

​The role of prices is highly valuable to achieve the proper levels of goods and services.  Prices are also the best way to allocate products and services.  Anti ‘price gouging’ laws do significant damage.  People truly need to learn the benefits of increased prices in crisis times, so attitudes and opinions can allow prices to work.  The hostility to increased prices does real harm in allowing additional supplies and services to enter the marketplace.   

​There are hundreds of price controls within the current government and the Federal Reserve.  These price controls, which include price distortions from mandates, bans, government spending, taxes, and favorable or unfavorable treatment of select people/businesses and sectors of the economy, do significant damage to the benefits of the role of prices. 

​The first line of help will be your rainy-day funds and the insurance you bought, such as unemployment and medical, which is now private.  Your Charity Economy would be high on the list.  Terms of unemployment insurance are likely to include rapid entrance to the Charity Economy.  You could sell a percentage of your income, or a straight dollar figure, for the next several years to a Monetary Asset Portfolio in exchange for currency right now (personal loan).

Your family could play a big part.  Finally, as a last resort, you can go to a Charitable Distribution Association (CDA) with your needs.  They can assign you to a Charity Assessor Organization (AO), where they will use their subjective determination to provide you with assistance. 

​The 3.5 million schoolteachers in America have a four-year bachelor’s degree.  Each one of them should have a semester of nursing school within their education degree.  This would come in handy in ordinary times within the classroom.  However, in a pandemic, when health care needs overwhelm the 3.1 million RN’s, these teachers can be repurposed into health care.  To keep skills current and refreshed, these teachers could have ongoing healthcare education, assist at hospitals, doctor’s offices, and home health in the summer months. 

​To handle the spike in demand situations, many professions could cross-train.  For an increase in security spikes and to give year-round security in schools, many teachers should go through the police academy.  They could do police shifts in the summer months to keep their training up.  Many more cross-training opportunities are available. 

​Every school has classrooms that could double as hospital rooms.  Other suitable rooms within businesses should be considered.  Nursing homes are already set up similar to hospital rooms.  Plans should be made to bring in needed supplies, machines, and personnel, so hospitals are not overwhelmed.  Telemedicine would increase capabilities. 

The elderly have more significant vulnerabilities to illnesses.  Teenagers should set up and maintain the elderly with video-chat with many apps.  The elderly have experience and wisdom in many professions.  With many people repurposed in their jobs, the elderly could watch over, mentor, direct, and educate repurposed labor.   The elderly need companionship and a sense they are needed.    

Businesses with established teams of managers and employees that must shut down because of a loss of business should be given new suitable tasks.  Planning well ahead of time would be useful. 
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Health care industries should have a Rating Floor on having excess supplies to handle spikes in demand.  This includes many of the current out of stock issues such as sanitizers, medical equipment, and personal protective equipment.  

Retired RN’s should have many part-time opportunities to keep skills fresh, so they can be a backup force.   
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The ideas in the Haley2024 Blog: Robust Medical Records, could help in hundreds of significant ways. 

​My story of health insurance started back in 1993.  That year I started a new job, and my first child was born.  When my wife, Ruth, became pregnant, there was no doubt we would be a one-income family; thus, I signed up for the family plan through my new employer.  I thought it was strange that I had to change health insurance when I changed employers, so I looked into it.   

​It turns out that in the great depression, FDR put wage controls on employers, thus removing the vital role of prices in the labor market.  Employers worked around the issue by offering health insurance benefits.  Later, when the wage controls were lifted, congress inserted a loophole in the tax code to exempt employer-provided health insurance from income taxes.  The same tax deduction was not offered to people buying health insurance separate from employment.  When tax rates were over 50%, the extra tax burden pushed the vast percentage of health insurance policies through employers.  When people interviewed for a new job, they had to consider insurance policies as well.   

​Two weeks after my first daughter was born, Ruth and I received some devastating news.  My sweet Emily was diagnosed with a disease that took two of my sisters away from me.  We knew that many hospitalizations were in the future, and the medications were going to be expensive.  While Ruth and I dealt with the emotions of a sick infant and toddler going to the hospital for a two-week stay every couple of months, we also dealt with health insurance and my job. 

​I was scared to death of being laid off or making a mistake where I could get fired.  My company was self-insured and was paying two to three times my salary in health care claims.  I did not dream of changing employers because the risk of preexisting condition clauses might leave my child without much-needed healthcare.  I tried not to take many days off from work because I did not want my employer looking into how much I cost the company. 

​Through the first ten years of Emily’s life, I heard of many fathers abandoning their families because of the stress of constant hospitalizations.  They were right that it was hard, stressful, and gut-wrenching.  My marriage was always strong, but I understood how the stress, heartache, and financial difficulties strained at the marital bonds.  I went strong in the other way and took great pride in being a family man.  I had three other children as well, and all four of my children needed a father and their mother.  I also needed to show them a proper husband and wife relationship.  We needed to model a healthy family.  

​Early in 2004, the doctors told Ruth and me that Emily needed to go on the lung transplant list.  That is not an easy conversation with the doctors or with Emily.  In May, the hospital sent us a letter that the insurance was not likely going to cover the VERY expensive transplant.  They were dealing with a lifetime maximum on the health insurance as well as several items surrounding a lung transplant that the insurance does not cover.  The hospital ‘strongly’ suggested that we have $500,000 in fundraising.  

​The last seven months of 2004 was full of major fundraisers averaging twice a week.  Chili-cookoffs, softball and golf tournaments, road rallies, raffles, vacation bible school, concerts, major league baseball players signing baseballs, bake sales, silent auctions, and others often raised five figures.  The schedule was grueling; however, the outpouring of love and donations touched Ruth and me in significant ways.  The amount of volunteer hours from family and friends encouraging the donations of $515,154 is a testimony of God profoundly working through His people. 

​Miraculously, the lifetime insurance limit was raised from $750,000 to $1 million as we topped $700,000.  You can not just order up the lungs when the money is there.  There was still a waiting period.  Emily was put on the list a little early, so she would be near the top of the list when she hit the crucial window of usable lung function.  If you wait until you are in that window, the window is likely to close on the bad side.  Emily continued with hospitalizations every two months and expensive daily treatments at home. 

​While I was pretty established at my job, I always had that fear that if I was separated from my employer, that my insurance would go with it.  No insurer or employer wants to sign up to cover over $100,000 per year of claims, especially with a well-publicized transplant on the horizon or new high-cost medications in the final stages of the FDA approval.  The window of useful lung function opened and closed within a day with a nasty infection.  Sadly, I received my last medical bill for Emily in April of 2008, totaling over $200,000 for her final two weeks. 

​For the last eleven years, we became a typical medical use family.  As my three daughters became teenagers, Ruth went back to school and entered the workforce in 2014.  Ruth’s employer offered insurance, and we discovered a dilemma we had not dealt with before.  The ACA (Obamacare) forced employers to charge employees a surcharge if their spouse was also offered insurance by an employer.  The law is firmly nudging two-income families to have separate insurance by mandating a $1,200 surcharge.    

If the family decides that one insurance is better than the other, the company with the better coverage must bear the financial weight of covering the entire family, leaving the employer with low-quality insurance without any burden.  Ruth’s employer offered a good plan; however, we are a family, so we paid the surcharge.  Ruth’s employer's financial burden was lessened, and my employer paid more. 

​This year, I am calling my 24-year old married daughter about health insurance.  She could get insurance through Ruth’s or my employer.  My daughter’s employer is offering health insurance.  She also has options of her husband’s military reserve coverage and her husband’s employer’s health insurance, thus five options.  All the options have a cost to my daughter, but all the alternatives also have a cost or savings for each of the five employers.  Every insurance option has different doctors that are preferred and have different terms, so that is a significant factor as well.    

​Economics is the study of incentives, and this is just a few of the several hundred perverse incentives harming America's health care system.  The perverse incentive created by the ACA to move away from the family plan really hits me the wrong way.  Most problems surrounding health care can find their origins within government regulations.  The best solutions are not to add more regulations or fix what is there; the best solution is simply to start rapidly repealing regulations.  If you are strictly looking at the issues addressed here, let’s move away from health insurance being tied to employers.   

A government Medicaid rule allowed facility fees for MRI’s in the hospital; however, not in doctor offices.  This, along with many other similar regulations, resulted in business model changes for doctors.  Many doctor offices were bought by hospitals.  ​

This started out as Sector Page in 2015.  In 2019, I am switching it to a blog post.  During those four years, the thirty Sectors have been decided, and food has its own Sector.  The pharmaceutical part of Medical has its own Sector.   
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Different CRA's could set different standards and Rating Floors for new products.  Some people would value long time frames and safety testing, while others would value getting treatments to people as quickly as possible.
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If Competitive Regulatory Agencies were dealing with drug and food safety, new ideas would be continuously tried and the best always being topped.  Ineffective or overly costly regulations will fall away.
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There are four big ideas I would like to explore. First, having a very secure, and accessible medical record with a great interactive program.  Second, exploring many new ways to add information to the record.  Third, computer Artificial Intelligence (AI) and trained personnel to analyze the data.  Forth, Specialists on demand. 
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People walk into a new medical provider, and they have to fill out many pages of PAPER, and they say there is a better way.  There is not enough quick or convenient communication between medical providers, and people wonder if the lack of collaboration and long delays harm the patient.  People see major inefficiencies and wonder why.  Government regulations are usually the cause of problems or hampering the solutions, whereas free enterprise removes problems.
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These are just a few ideas.  Countless variations and experimentation would yield competition.  Better service and fewer costs will result.  As the system advances, people will explore additional benefits at lower cost.    
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A person joins the medical service, let’s call it ‘Robust Medical Records’ or RMR.  RMR is a very secure online medical records program that employs many doctors and other medical professionals.  Some would be full time, others associated and allowing all medical providers access to the program.  
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Whenever a member of the RMR walks into any new doctor or medical provider, they give the provider a name and an RMR code.  The medical provider logs-in and verifies identity with pictures among other identifiers.  Once verified, the RMR service gives the new medical provider all the necessary history. 
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Medical records would be accessible to all relevant medical providers.  The medical provider would input all their data, findings and orders of medical treatment.  The medical provider could follow the progression of their treatment plan online and in real time.  Patients will have the ability to enter relevant information into the system through their smartphone (going forward smartphone means all devices).
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All of a patient’s preferred providers will be listed such as their pharmacy, home-health company, primary care, and specialists.  Any provider could communicate with the other providers through the system to coordinate care.  All notes from all providers stay in the file.  The patient and providers would be able to communicate through the system as well.  Smartphone apps would make communication very rapid.   
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A patient’s complete ability to pay will be in the system.  Insurance, credit cards, charity, payroll deduction plans, credit availability among others will all be there.  A patient’s Identification company will be involved in giving relevant information and protecting a patient’s ID.  A patient sets their RMR up the first time and keeps it updated.  A patient will have full access to all charges and financial information in their smartphone app. 
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A patient could see proposed treatment prices and request competitive bids or see other provider's prices on upcoming treatment.  The app has full explanations of treatment codes with alternatives.  A patient would have many interactive ways to explore previous charges to ensure the accuracy of charges.  Most providers would have all charges in the system before the patient was out of the office as well as insurance issues done immediately.  Most providers would supply quality expectations of charges before the appointment within the RMR app.
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 A patient could communicate with insurance through the system and have a three-way communication with the providers and insurance or charity.  Everything will be very transparent with patients having a clear knowledge of the past and reasonable expectations of future costs.  Within hours of an appointment, a patient can see the request on the RMR app, and with a few clicks, they pay the bill. 
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Much of medical care is collecting information.  The patient will be given many new opportunities to input information.  A patient would start with a complete history and input as many past medical records as possible.  Medical history specialist would assist in collecting past information and inputting it into the system.
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A patient would be able to input information through there smartphone.  A patient enters vital signs, pictures/ videos, symptoms, concerns, and issues.  With a phone adapter, a patient could have pictures/videos of ears, nose, throat, rashes and other symptoms.   A patient could purchase many devices for their home to upload quality information to the RMR.   
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If a patient is having more serious issues, more serious medical devices could be rented or bought for the home.  Many monitors and better communication at home could allow patients to stay out of or have shorter stays in the hospital. 
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It is not economical to have major medical equipment in every home.  Local nurse locations, meaning strip mall stores, with a great deal of medical equipment would be an easy way to collect and upload more quality information.   Professionals online with computer AI will oversee every RMR. 
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X-Rays, Oxygen Saturation levels, blood pressure, ultrasounds, blood test among many others would be available at these local nurses stations.  These nurses could specialize in being directed by doctors in examining patients live on video, to be interactive, or just with common instructions and upload the results online.   The videoed examinations are reviewed for quality assurance by the doctors.   
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Every patient would have a primary professional that monitors all new information in the RMR.  They could request data from home or local nurse locations.  They could alert the patient with concerns and help coordinate care with all medical providers.  All this would be visible in the smartphone app, thus creating very rapid communication.  
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These professionals would oversee the treatment plan and relay necessary data to medical providers.  They would look for concerns with the information a patient uploads.  They could update or revise treatment plans.  They would coordinate with pharmacies, home health, local nurse locations and others.  They would be there 24/7 to answer questions, assess changes and take action.       
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The system would have medical professionals of every type to monitor everything for cost-effectiveness, inefficiencies, efficacy, alternatives, errors, and concerns.  Routine reviews would be common.  All prescriptions for drugs would be in the system, and the system would handle refills and prescription extensions. Relevant data and orders are accessible and updated to a patient’s identification company, thus accessible (needed information only) to your employer among others such as short and long-term disability insurance.     
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The computer program will be very user-friendly and allow a patient full access to their information.  There is certain doctor notes that doctors want to keep secret, and that is addressed within the system, thus giving only certain doctors that information.  
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The RMR system will have a section that deals with price comparison and options on alternative medical treatments.  Individuals are smart and competent enough to make their own decisions; however, often they lack the knowledge.  This section could be very robust.  The ability to get immediate second opinions, set appointments, and have new doctors ‘sell’ an alternative treatment is in the RMR.  The Rating System would be very useful when the original and alternatives are ‘presented’ because they would have to have the ratings listed.   
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In the RMR, a doctor is available on demand.  After requesting to video chat with a doctor, the system asks for certain data, and then the doctor reviews the chart and symptoms.  The doctor has a video chat with the patient and prescribes a treatment plan. Many retired medical specialist could work part-time at their home behind their computer keeping wait time down.   ​
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 While a video chat certainly has limitations, with all the ways to upload quality data and the doctor video chatting, this could take away the need for a large percentage of in-person appointments.     
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A patient’s primary professional within the RMR system would be trained to assign a patient to the specialists that are most relevant to their symptoms.  If a patient is at their general family doctor and the doctor sees a problem out of their scope of practice, the doctor could log into the system and call on that specialist for a consult while the patient is waiting. 
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The specialist would review the full RMR chart and the new concern.  The specialist could order a few more tests, and with the general doctor in the room, the patient could have a consult.  The specialist could instruct the general doctor in further examinations and develop a treatment plan.  That specialist could turn it back over to the general or stay informed and involved through the RMR.   
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Often a patient has multiple issues requiring multiple specialists.  This system would assist in creating specialist team meetings for patients with comorbidities.  While notes back and forth are good, a conversation with multiple specialists on a video chat, hashing out a treatment plan, is likely very beneficial.  
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A mother with many children at home often has a hard time getting out to the doctor and often does not go because of the hassle of getting there for herself or her children.  Many times the doctor does not need to be physically present to assess the illness and prescribe a treatment.  If she is in this program, the ill child’s complete history is in the system.
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The mother types up the symptoms, video records her child’s nose, ears, and throat.  She would Input vital signs from quality medical equipment.  The doctor reviews all the information before the 5-minute video chat and inputs a prescription into the system.  The mother goes on her RMR app and orders medicine that is ready 30 minutes later at her corner drug store.  
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Next, if a patient’s local primary care doctor sees an issue that could be cancer, he requests an oncologist on demand from the system.  The oncologist reviews all the data and requests a few more tests.  The cancer doctor does a recorded video chat while instructing the family doctor to examine.  They both set up a treatment plan and agree to follow the case within the RMR system.
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Third, after a sporting accident, a broken bone is possible, bruises and a rash are all present.  The emergency room seems too much.  A patient inputs all their symptoms from home.  They upload the video of the bruises and rash.  The primary provider asks the patient to go to the local nurse’s location and get an oxygen saturation levels, an x-ray and an ultrasound of that bruised rib. 
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The nurse was instructed to examine while on video, and it was very interactive.  In this case, the doctors reviewing the charts did not see a great concern, however, instructed the patient to upload videos of the rash and bruises and type up symptoms every day until cleared.  In another similar case, the nurse was instructed to create a cast and made an appointment for the next day at a doctor’s office. 
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Often, in the current system, it can be time-consuming and difficult getting medical records sent from one provider to the other, getting second opinions and setting up specialist appointments.   Ensuring all providers are on the same treatment plan is not easy.  Patients, in the current system, need to be highly informed on their treatment plans and skilled in coordinating their care. 
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The time and money saving measures listed here are profound.  Currently, it might take many weeks or months setting up many appointments, meeting each specialist separately and transferring notes from one to another.  Travel and time off work are big issues of the current system.
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Because of so much medical information would be in the system digitally, medical researchers working with computer specialist would be able to have a field day with noticing patterns that would lead to better diagnoses and treatments.  Thousands of high-quality data studies are possible at low costs.   
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​You can input your travel or have your smartphone to keep track of your GPS points, and the systems might detect that you crossed the path of someone else that had an infectious disease and instruct you to input symptoms or go get a blood test.  You set your privacy settings, balancing them with possible medical benefits versus the system knowing your travels.  This feature could detect outbreaks much earlier, giving vital time to limit the outbreak.    
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At this point, every person would buy an individual or family health insurance plan.  Many people cite a lower cost ‘group plan’ as a reason to keep employers involved.  Lower cost group plans are a myth.  Insurance companies are by definition very large groups.  The employer versus individual tax benefit disparity would need to be fixed.  Haley2024 tax reforms suggest eliminating all deductions and lowering tax rates.​

 His current employer was contributing five dollars per hour to his 401(K) plan. Because Obamacare forced the employer to pay higher premiums for insurance for employees (with some of the coverage unnecessary), the employer can now contribute only fifty cents per hour to our client’s 401(K) plan.

Under Haley2024’s Military Reform, military corporations would have different compensation plans, thus different methods of doing health care or insurance.  Every health insurance plan would have different costs because they have different business models and coverages. ​

​The VA medical system is government supplied and as close to socialism as possible.  Socialism is the main problem.  The free enterprise system is not without problems.  However, millions of decisions by individuals within the free enterprise system results in the replacement of bad business models naturally with better models.  When consumers decide, and providers are free to experiment with ‘better ways;’ many of these problems are solved.  ​

 When someone is looking for a job or considering leaving their current job, they must consider health insurance.   When someone has to lose their insurance because they switch jobs, they run into issues of gaps in coverage and preexisting conditions when they get the next job.  Because many companies are self-insured, applicants (or the applicant's dependents) with medical issues are at significant risk of discrimination.  ​  Health insurance being tied to employment cause many problems 

If the government decides to cover medical bills and puts $1 trillion into the budget to cover the cost and one doctor sends a bill for one doctor visit in the amount of $1 trillion, America’s budget is exhausted for just one patient on the first day.  Obviously, they will not pay that bill.  If the government is going to run an insurance model, they must have a system of price controls.
 
​Price controls do great harm.  When the government hires doctors and administrates health care, that is just a different type of price controls.  When the government becomes too large of a buyer of healthcare products or personnel, they distort the role of prices.  In an effort to reduce the price, they push them up.

Many insurers pay a certain percentage, thus health providers factor that in and provides an incentive to go much higher on price.  For the poor and uninsured, this makes health care out of reach without the government or insurance.  This gaming of the system dramatically drives up the prices.  Hospitals also play games with emergency room fees.
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The government’s mandate that everyone must be treated at ER’s means that those with insurance pay for those without insurance.  High ER fees also mean higher write-offs on hospital tax forms resulting from those that cannot pay.  Hospitals can also show the government a more considerable dollar amount of unpaid ER visits when they are asking for government money.  While the mandate is useful, so people are not turned away, there are better ways of handling the poor or uninsured.   ​  ​