check this reform plan
Dr. Saks figured this out years ago. It may seem counterintuitive but to bring a free market cash/credit to HC requires that consumers are backed up with a single payer catastrophic insurance plan. Everyone is focused on 100% free market or 100% single payer.
How about 70% FM/30% SP. Could a bipartisan majority be built around that? Keep in mind that out-of-pocket spending already accounts for 70% of HC spending.