I.  health

• scrap income tax and fica, replace with national sales tax
  
• sales tax percentage directed into individual medical escrow accounts
  
• medical atm cards replenished monthly (base amount established 2012: total national health care cost divided by population)
  
• m.atm cards store medical histories with pin access, age-based sliding scale for monthly replenishment, unused portion accrues
  
• health providers directly reimbursed for contracted basic procedure amounts (minor illness, accidents, pregnancy/delivery, perscriptions)
• hold harmless agreement between provider and patient
  
• premium procedures (cancer therapy, organ transplants, heroic & experimental) by individual non-government insurance coverage
  

II. insurance

• regulated private entities agree to provide specific care beyond basic procedures
  

III. annuities

• sales tax percentage directed into individual retirement annuity accounts backed by publicly issued 40 year bonds (7%)
  
• current social security recipients receive lifetime benefits directly from sales tax revenue
• future ss recipients receive amounts incrementally reduced by 1/40 annually, as individual annuities progressively increase in value
  
• individual annuities are completely funded and solvent by year 40, social security ceases to exist
• incoming funds used for future cash-generating public works investments (high speed rail infrastructure, deeds of trust, photovoltaic farms)