Abstract
ABSTRACT 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.
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