The easy way for the Federal Government to solve the health-care problem would be to pay all hospital claims that run over $8000.00 . Since the average cost  for health-care in America per person is about $8000.00 per year and the average  cost per stay in a hospital is about $8000.00, it would allow groups of two or three people to self
insure. With the risk of not having any claim that would run over $8000.00, this would bring the insurance companies to their knees. Not having to worry about the one claim in a million that would cost a million dollars would make it easy for clubs, friends, relatives,small businesses,churches,and schools to self- insure. Even one person could self-insure.

THEN THERE WOULD BE REAL COMPETITION!