This is a phenomenal idea! I am passionate about creating an alternative "healthcare" system, too. I live in the U.S. and I recently found out I cannot get health insurance outside the open enrollment date each year (something like a 4 month window) UNLESS a special event occurs like marriage, moving, getting a new job, etc. It's crazy! And this applies to all U.S. citizens, not just me. The government thinks it has the right to keep me from health insurance.... and yet, they act like they want everyone to have it with their annual health care tax if you opt out of health insurance.