Billionaire entrepreneur Mark Cuban has proposed a “specially designed bank account” healthcare model using Affordable Care Act Silver plan–level monthly deposits to fund savings, stop-loss coverage and direct primary care, with remaining balances available for approved medical expenses or retained in the account with interest until age 65.
Healthcare Reform Pitch Reframes Insurance as Personal Savings System
In posts on X on Wednesday, Cuban described a model in which a family of five contributes about $2,100 per month, similar to a typical ACA silver plan premium. Of that amount, roughly $300 goes toward stop-loss insurance capped at $30,000, and $200 is allocated to local Direct Primary Care.
The remaining $1,600 is saved in an individual account that can only be used for approved medical expenses, similar to a Health Savings Account, which is a tax-advantaged savings account structure.
Cuban said unspent balances would earn interest, writing, “If you never have any medical expenses, you will get to keep the money plus checking account level interest when you turn 65.”
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