Health Care

Towards Universal and Affordable Healthcare

The US spent over $5.6 trillion in 2025 on healthcare. It is clearly not sustainable. For healthcare reform, three issues must be addressed - De-link insurance from employment, De-retail insurance, De-fragment healthcare data. Watch how the Direct-Care Capitation Payment model addresses these issues while saving over $3 trillion in costs.

Health Care

By Ranjit John

Jun 25, 2026

Bullet Holes and Band-Aids

The Direct-Care Capitation Payment model right-aligns market forces from illness-care to wellness-care by de-retailing insurance, de-linking insurance from employment, and de-fragmenting healthcare data. Right-aligning market forces will save over $3 trillion in healthcare costs, and deliver universal, sustainable, and affordable healthcare.

Delay, Deny, Deduct

The Direct-Care subscription model will deliver universal and free healthcare at 3% of India's GDP. For the US, it will deliver universal health coverage at a third of today's spend, saving over $3 trillion each year.

The Missing Middle - Towards Universal and Affordable Health Coverage

We look at national healthcare models, historical data, and patient narratives and propose a new model that will provide universal and affordable health coverage. It will create resilient communities, profitable healthcare businesses, and increase social capital.

Transforming Healthcare - Better Outcomes at Lower Costs

Data shows that the US is not on track to meet its SDG 3 targets. We show how the Direct-Care Capitation Payment Model will put countries on track to meet SDG 3 targets.

The Rash that Cost $1538

We look into 50 years of health care data and propose a new model that right-aligns market forces and aligns profits with quality of care and health outcomes. The Direct-Care Capitation Payments model will significantly improve community health indices at about a third of the costs.

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