The U.S. healthcare system requires reform to align with fundamental capitalist principles: transparency and competition. Currently, opaque pricing and financial burdens distort the market, harming patients and providers alike.

Key Problems:

 * Lack of Price Transparency: Patients cannot make informed choices due to hidden costs.

 * Financial Strain on Providers: Unpaid bills create an unsustainable burden for hospitals and doctors.

 * High-Deductible Impact: Patients face crippling debt during medical crises.

 * Medical Bankruptcy: A systemic failure leading to avoidable financial ruin.

Proposed Solutions:

 * Mandate Price Transparency: Require standardized, public pricing from all healthcare providers.

 * Implement Affordable Payment Options and Cost Controls: Introduce income-based payment plans and negotiate drug prices.

 * Reform High-Deductible Plans: Cap out-of-pocket costs and expand access to HSAs/FSAs.

 * Establish Bankruptcy Protections: Shield patients from medical debt-induced bankruptcy.

 * Invest in Preventative Care: Prioritize preventative care to reduce overall healthcare costs.

Economic Benefits:

These reforms will reduce the financial strain on Medicare and Medicaid, contributing to budget stability. A more efficient healthcare market will also improve economic productivity by alleviating the fear of medical debt-related financial ruin.

By creating a transparent and competitive healthcare marketplace, we can achieve affordable, quality care for all Americans and strengthen our economy.