The gist: replace health insurance with something its proponents call an Insured Contingency Escrow account, which sounds like it would be self-explanatory to those with knowledge of finance (I can parse it with some effort). To replace the pool of insured persons with whom insurees share risk under the existing model, they propose accountholder co-ops which they call “chapters.”
It’s a health savings account plan that makes self-insurance accessible to people who aren’t independently wealthy or unnaturally healthy — and takes third-party (or single-payer) bean counters out of the equation altogether because there is no question of “coverage.” The only people deciding whether you receive a given treatment are you and your doctor.
If you want to know what’s wrong with our health care system that needs to be reformed, it’s the fact options like this aren’t currently available, thanks to imposed rules and the perverse incentives of third-party billing.
All of which would be made permanent and universal, by the way, with single-payer.