How do doctors and hospitals make money now? They wait for Government and insurance company reimbursements for the many services they provide. The providers provide and the insurance companies decide...which bills to pay.

When a hospital administer sees an empty bed, they see lost revenue. The more procedures, visits and tests doctors perform, the more they submit to insurance companies, the more revenue they make.

We must change how administrators look at empty beds. They must change their view to see empty beds as revenue increases. You do this by allowing hospitals and doctors to sell insurance memberships to individuals and families.

If 10,000 uninsured families bought a membership from their local hospital for $300 a month, that would generate $3 million more in revenue per month.  This money would come in each month even when a family didn't use their hospital or doctor. There would be no deductibles just memberships.

Same thing with doctors. This would provide a pay for performance system for patients from doctors with no middle man.