Our healthcare system is unique for all the wrong reasons. It is confusing, dysfunctional, difficult to navigate, and most of all, costly. Despite repeated efforts by lawmakers to lower costs and increase access to care, millions of Americans still struggle to find health insurance that is both affordable and meets their needs.

These failures require us to rethink the structure and delivery of health insurance and healthcare in the United States. Some believe they can solve the problem by raising taxes for most Americans and entrusting healthcare to the government. However, a one-size-fits-all, government-run healthcare system offers Americans very little of what they want. Indeed, such a proposal would disrupt the existing coverage arrangements of nearly all Americans, strip people of their right to make personal healthcare decisions with their doctor, and close nearly every remaining private practice in the country.