Anything that does not empower the consumer of healthcare over the insurers, the government and the providers will be a disaster. Why not just give a voucher to vets, the poor and the really sick? Let them use it for healthcare or preventive measures. Then educate people about how to stay healthy. At the end of the year they should keep a percentage (say 50%) of any amount they don’t spend. The rest of us should be able to buy insurance or not, but make the tax treatment the same whether it’s bought by your employer or yourself directly. Vioala! done.