Begins with individual ownership of insurance policies. The tax deduction that allows employers to own your insurance should instead be given to the individual

Leverages Health Savings Accounts (HSAs). HSAs empower individuals to monitor their health care costs and create incentives for individuals to use only those services that are necessary

Allows interstate purchasing of insurance. Policies in some states are more affordable because they include fewer bells and whistles, and consumers should be empowered to decide which benefits they need and what prices they are willing to pay

Reduces the number of mandated benefits insurers are required to cover. Empowering consumers to choose which benefits they need is only effective if insurers are able to fill these needs