1. People who are well often don& #39;t see the value of health insurance.
3. Opt-in programs will never achieve 100% coverage because a % of people don& #39;t see the value.
4. A % just don& #39;t want to help others even if it helps themselves

5. A program that covers sick people and not the well will always be unstable and more costly.

My proposal is to fix the ACA, restoring it to the original design with a robust Medicare-like public option on the exchange.

Then automatically enroll every child born in Medicare. From birth to 18, that child& #39;s covered by a Bernie Sanders proposed level of coverage.

On a person& #39;s 18th birthday, they can choose to: opt out and pay a pandemic preparedness tax each year, get a job with private insurance, or do nothing and pay for their Medicare coverage through taxes.

What& #39;s the net result? Very few people opt out. They& #39;ve had medicare for 18 years, it& #39;s reliable and worth paying for it.

When given the choice to accept private insurance that costs more and covers less, most will stay with Medicare.