Dear Reader,

Look, Trump's heading in the right direction here.

I'm going to say that upfront.

Dr. Oz is running Medicare and Medicaid now, and he's talking about how reducing obesity-related complications will save massive amounts of money downstream.

All good moves.

But here's what I need to tell you. Trump's close, but he's missing the one thing that would actually fix healthcare affordability.

Get the government out of the way completely and make all healthcare providers compete across state lines.

That's it. That's the answer.

You want to know why your car insurance is affordable? Because companies compete across state lines for your business.

You can shop Geico, Progressive, State Farm, Allstate—doesn't matter where you live. They all want your money, so they compete on price and service.

Healthcare? A totally different story.

Right now, health insurance companies operate in protected state monopolies. They don't compete nationally. They lobby state governments to maintain barriers that keep out-of-state competitors away.

No competition equals high prices. Every single time.

Imagine if you could buy health insurance from any company in any state.

A small company in Texas with low overhead could offer you a plan. A regional player in Idaho could compete for your business. The big guys would have to actually compete on price instead of relying on government-protected monopolies.

Real competition. Real free market capitalism.

Not this crony capitalism system we have now where insurance companies pay politicians to keep competitors out.

Prices would drop 30, 40, maybe 50 percent almost overnight.

Why? Because that's what real competition does. Always.

Don't get me wrong. The stuff Trump's doing has value.

Drug price negotiations? Good. Americans have been getting ripped off for decades while other countries pay a fraction of what we pay for the same medications.

The Most-Favored Nation plan makes pharmaceutical companies offer their lowest international prices to Medicaid patients. Makes them sell some drugs directly to U.S. patients at lower prices.

That's solid.

Price transparency? Also good. When hospitals and insurance companies have to publish their actual prices, it creates accountability.

Right now, healthcare pricing is like buying a car without knowing the price until after you've driven it off the lot. That's insane.

And direct payments to consumers instead of funneling money through insurance companies? That cuts out a massive middleman taking a cut of every dollar.

All moves in the right direction.

Here's my problem with all of this.

It's still the government trying to fix what the government broke in the first place.

More regulations. More oversight. More bureaucracy.

Trump wants Congress to codify this into law. Make it permanent across administrations.

But why not just remove the barriers to interstate competition and let the market fix itself?

You know why? Because state insurance monopolies fund political campaigns. They lobby hard. They wine and dine politicians who keep the barriers in place.

Those barriers protect profits at your expense.

The Affordable Care Act—Obamacare—operates by giving tax credits to consumers, which get paid directly to health insurers.

Republicans are right that this is inflationary and a potential fraud magnet.

The system takes your tax dollars, routes them through a bureaucratic maze, and hands them to insurance companies who have zero incentive to lower prices.

Why would they? They're getting paid either way.

Trump's plan at least tries to put money directly in consumers' hands with Health Savings Accounts.

That's better. Consumers with their own money make smarter choices than bureaucrats spending other people's money.

But it's still not true free market competition.

Here's what would actually work.

Remove all interstate barriers for healthcare and insurance.

Let any provider operate in any state. Let insurance companies compete nationally.

Add genuine price transparency so people can shop intelligently.

Then get out of the way and let the market do what markets do best—deliver better products at lower prices through competition.

That's it. Simple. Effective. Proven to work in every other industry.

But it threatens entrenched interests. Insurance monopolies. State regulators. Politicians who benefit from the current system.

So instead we get complicated plans with dozens of moving parts that sound good but don't address the fundamental problem.

Trump's plan is better than what we've had. No question.

Drug price negotiations help. Price transparency helps. Direct consumer payments help.

But until we allow true nationwide competition in healthcare, we're just rearranging deck chairs.

The real solution is simple: Let healthcare providers and insurers compete across state lines like every other industry.

That's free market capitalism. That's what actually works.

Everything else is just the government trying to fix what the government broke.

Get educated. Understand how markets really work. And demand the simple solutions politicians don't want to give you.

To your financial freedom,

Robert Kiyosaki

Editor, Money Power and Profit

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