he lineage from 1915 Ford Hospital to the ACA, exposing each policy/market inflection that shifted costs and warped incentives. Proposes a “System C” that makes premiums usable for staying healthy instead of financing endless treatment.

Doctors and hospitals make money by people being sick. The incentives are to keep them alive but always needing care. They have no incentive other than their own morals to really get them healthy.

That's great! Healthcare would be data driven in this scenario, and vaccines work, so they'd effectively be mandated.