the challenge for the members of congress' districts

Members of Congress must put on trial our SMHI in their respective districts to run it in the whole U.S. territory. This system allows the population orgabize and develop itself under the principle of "self-management" of which SMHI is the first representative system.
By the same token a separate mechanism of self-reliance will be proposed for savings in order to own our homes. We will propose that system in the same manner that the present one for Health Insurance in a way that the population may save a similar proportion of the family income put aside for the long term payment on the house without the constriction of mortgages and regulations.











The system is called: "The Self-Managed Health Insurance" (SMHI). It is the optimal system for America.
SMHI will be self-managed, it will be almost devoid of administration, therefore the membership will perform most of the activities today dictated and coming from central officials. There is no need to receive previous authorizations to perform any acquisition of services.
As a distinct difference from other plans the SMHI will be conducted by the insured, which is also the payer to the system. Therefore, instead of building a system that wastes 12 to 17% of the growth national product, the citizens families will need to put 4% of the family growth earnings, put apart for health problems expenses. Suppose a family (one or two bread earners) make some $15,000 a year before taxes, 4% of that income will represent the health insurance.
We are proposing a plan that will pay for itself, with very little or none governmental participation. At the onset of the plan there is a need of a basic, only once, a "push" by the Federal or any supporter in order to put the mechanism working.
The self-managed portion (or 80% of the premiums) will be handled exclusively by the insured family. That portion will constitute an escrow account kept under the family name in a separate account. The escrow account will grow in time to be covered in further not so good times.
The other 20% of the premiums will constitute the "parachute" catastrophic fund that will cover the member, collectively for major interventions.
The small administration will live with 0.5% of the premiums, dedicated to education for health and the wisely use of the proceedings. That administration will conduct a survey of the users' trends in order to advise the best way to manage the system. For major deviations or modifications, for example, changing the proportions of the self-managed with the catastrophic fund or increasing the family premiums, referendums will be conducted among the membership.