I have long proposed this: You are born. You get a RHA created, Retirement, Health Account. You get basic insurance that ONLY covers when costs go over 10K per year. You get 5K into your RHA every year from birth to 18. That can be invested in safe, less safe, risky assets, your parent's choice until you are 16, then yours. That money may be withdrawn by your parents to pay for any health insurance or health costs. Once you turn 18, you can use that money for any health care costs you want (or leave it there). You may begin withdrawing cash after you turn 50 or so. You can add to it anytime you want, after tax, that money is like a Roth IRA is today. It may be means tested, such that if your parents have $xxx millions or more, you get nothing, other than the account being opened for you. Something like that, the details can be adjusted. This would probably still require some Medicaid, but it could be all gap insurance or something........not sure. This isn't 100% thought out, but frankly, with robots taking our jobs, owning companies is the way to go. Let's just give everyone that right from birth. Maybe it starts with 10K at birth, and then less every year after that.......