Here&#x27;s a program for market-based healthcare reform:<p>1. Eliminate incentives for employer-based insurance. Give legal protection to insurance cooperatives, where individual people could come together to buy insurance as a group.<p>2. Eliminate restrictions on buying insurance across state lines. This will take care of state-level regulations that drive costs up.<p>3. Eliminate artificial caps on the number of seats in medical schools, currently set by the AMA with government backing.<p>4. Loosen other requirements for medical licensure, like four years of undergraduate study in a totally unrelated program. Why are the people of America paying for Doctors&#x27; underwater basket-weaving courses? This and the previous point are a political minefield, so you can accomplish mostly the same by letting Nurses or Physicians Assistants to do most or all of a doctor&#x27;s job.  People can still choose to spend more on AMA-approved doctors, but it should be their own prerogative with their own money.<p>5. Institute an (at least initially) government-backed catastrophic insurance program for when people have ridiculous amounts of medical bills that they can&#x27;t afford.  This is probably what the market would have produced over the last century if not for government meddling.<p>6. High-deductible plans + health savings accounts are actually a pretty good idea.  It puts people directly on the hook for their routine medical expenses, so they shop around and find lower prices.<p>Milton Friedman wrote a great piece with some of these ideas in 2001: <a href="http:&#x2F;&#x2F;www.thepublicinterest.com&#x2F;archives&#x2F;2001winter&#x2F;article1.html" rel="nofollow">http:&#x2F;&#x2F;www.thepublicinterest.com&#x2F;archives&#x2F;2001winter&#x2F;article...</a>