I really like this idea. We've trained people and many employers to be completely passive about healthcare. Just hand over the premiums, cross our fingers, and hope the insurer doesn't screw us when we actually need it. That's why so few people even bother appealing denials. Insurance companies think in 12-month increments because that's how their risk pools and quarterly numbers work. They have zero incentive to invest in someone's long-term health. What you're describing flips that completely. It puts people back in the driver's seat as the actual CEOs of their own healthcare. Instead of renting protection from a middleman every month, you're building something real with your own money. The DPC gives you a doctor who actually knows you, the stop-loss handles the nightmare scenarios, and the rest sits in your account hopefully growing and earning some interest if you stay healthy. The stop-loss component even gets rid of the need for catastrophic coverage? I'm glad you're thinking beyond the employer-dictated model. I wish healthcare was not tied to your employer. My dad was a type 1 diabetic his whole life, and his biggest stress was almost always "do I have a job with good insurance?" Before the ACA, it was basically impossible for someone like him to get covered at all. The fear of losing coverage tied people to jobs they hated and made every career move terrifying. Redirecting what employers already spend on premiums into these kinds of personal accounts could finally start breaking that grip while still giving companies a predictable, controlled way to support their people. Obviously plenty of details to hammer out but the core is powerful. It rewards staying healthy, encourages smarter spending, and actually builds wealth instead of just feeding the system. Tools and resources that help people think like owners instead of passive consumers? Curious how you'd see this working on the employer side? Could they just redirect their current contribution straight into the account?