•Who takes part and contributes is benefitting from totally reflow of indirect taxes to his own private health account. And the bulk of costs in case of heavy illness bear the general health accounts without any evidence of insurability. No lawsuits. Sick pay to higher incomes are better.

•The whole family is covered including children until 26 years if they are going to college or university.

•The participants could act free with own health care money.

•If you will pardon my saying “only a totally economic stupid wouldn’t want to take part”. I forecast “a vote by feet.”

•So black labor will be minimized so GDP grows and state income increases.

•Hospitals and doctors could calculate their prices free without direct influence by insurers (but by market mechanism!)

•You get rid of socialism in your current system. HMO means planned economy backed by the state. Planned economy is a symptom of socialism. A special form of monopolism to maximize profits only (and would suck out Double-Account-System too). A market-based system would implement strong incentives for savings by the citizens. Double-Account-System acts so. By Anti-Trust-Law and strict separation between insurers and medical services you will find fair prices.

•Insurance companies get billions ! of dollars allocated by Double-Account-System as compensation for losing their most of current health care contracts. Because most of people will change. These billions insurers could invest and can make good profits.

•Costs for Medicare (and Medicaid) will be extremely diminished in future because of the savings on the private health accounts.

•The market mechanism by Double-Account-System finding best prices are integrating Health Care into the national economy. It is no longer a cost factor in it. Double-Account-System is strengthening itself by time.

•US government and the states themselves are totally free in starting this system: In the whole USA. Or creating some conglomerates of states taking part (not less than 9 million population). If some states wouldn’t take part, let them out. They will join later… None must be forced.