I came up with a catchy slogan for the loan component of the Medical Savings and Loan. It is:
"Take what you need. Repay what you can."
The guaranteed loan in an MS&L covers the gap between savings and high deductible insurance. The loan is funded by a premium charged to all accounts. When a person is debilitated by injury or illness, they will default on the loan. Those that recover repay the loan.
The system is progressive in that it transfers wealth from the healthy to those with debiliting ailments.
The Medical Savings and Loan is conservative in that it restores the direct negotiations between doctor and patient.
It is the type of thinking one would pursue if they are serious in bipartisan reform.