This. Absolute game changer. If my job gave me the money they spend on my behalf for the crappy health insurance they provide, it would likely result in an actual increase in my net pay after the increased taxes to pay for the program. Cut out hundreds of thousands of parasitic middlemen, like insurers and pharmacy benefit managers. Throw out the crazy quilt of non-doctors who decide what medications and procedures are are covered. Reduce billing staff because of the major paperwork reduction (don’t need to deal with hundreds of different insurance plans). And do away with coding - the letters and numbers on a bill that can drastically change a procedure’s cost to the patient.