It is time for a fundamentally different approach. Instead of framing reforms with the traditional trade-off, that is, “take away benefits, or raise taxes,” this plan centers on a different paradigm: restoring the appropriate incentives to increase the quality of health care and simultaneously reduce its costs. The six-point plan instills market-based competition, empowers consumers, and reduces the federal government’s authority over health care. It restores the originally intended purpose of health insurance (to protect against the risk of significant and unexpected health care costs), enhances the affordability of twenty-first-century medical care, and ensures continued innovation. Private and federal government health expenditures will conservatively decrease by trillions of dollars during the decade, and access to high quality health care will significantly improve. Perhaps most important, the reforms in this plan reflect the principles held by the American people about what they value and expect from health care in terms of access, choice, and quality.