Decentralizing Tragic Choices - Pooling Health Risks with Health Unions

Pooling health risks through insurance has led to cost explosion because centralized third-party payers cannot deny even cost ineffective treatment for life-and-death cases without arousing a sense of tragedy and inviting legal challenges. If the same total health budget is distributed equally on a per capita basis, funding decisions for treatment can then be voted on in a decentralized manner. Because unfunded treatment would be a result of majority choice and not bureaucratic decision, both a sense of tragedy and legal challenges can be avoided. Health unions that serve as fund-raising agencies and consumer advocates can coordinate such voting