Revamping American Healthcare - Soliciting criticism of a proposed architecture for Universal Coverage

So I'm increasingly annoyed by how terrible the current US healthcare system is, and also how poor the general proposed alternatives are in terms of laying out HOW their plan would work. (looking at you Medicare for All...)

So I've spent some time (with the help of LLMs to consolidate and word my thoughts) devising my own framework.

I'm just a layman though. So there's a lot I still probably don't understand enough about how the system currently works. You can see my proposal on the linked Substack.

It's quite long, but I'd really appreciate any criticism about any poor thinking I have. Any things I'm missing. There are a lot of questions I still don't have answers for, but I figure I have to start somewhere, if only for my own satisfaction or having my own basis on which to judge future proposals. I'm particularly interested in any economic points I'm missing, like perverse incentives I'm not accounting for, or any that the proposal is unintentionally creating.

This is not intended to be self-promotion. It's on Substack because it would be too long to post in the body of a Reddit post.

I'm not married to any one particular aspect of this proposal, but I've tried my best to account for what might be politically viable, while accounting for the concerns of as many stakeholders in the healthcare system as possible.

Let me know your thoughts if you have any.

https://commonwealthanalyst.substack.com/p/american-health-security

My proposed financing mechanism is also available.

https://commonwealthanalyst.substack.com/p/what-would-american-health-security