The more I use Large Language Models (LLMs) like OpenAI's ChatGPT and Googel's Gemini, the more I find them to be incredibly helpful with exploring and synthensizing massive amounts of information that would take days, and in some cases years, to compile. What's amazing to me is that not only does it perform, compile, and summarize this research in seconds, but it can also analyze it all and make recommendations.
Therefore, one of the transformational use cases for LLMs is to explore certain societal systems across the globe, weigh the pros and cons of each country's system, and help create an optimal system using the best ideas from each country.
I decided to test this theory by exploring the global healthcare system, and as you'll witness below, the outcome is something astounding! In this page is a summary of my query using Gemini. It's not the exact query because it took several prompts to craft the information and recommendations. For ease and flow of reading, I synthesized the research into the following five parts:
- Explore the major healthcare systems of different developed and developing countries outlining the pros and cons of each.
- Design the ultimate national healthcare system for a country.
- Create a roadmap for the U.S. to shift to this optimal healthcare model.
- Draft a policy brief for one of the first recommended policies to enact.
- Identify who will oppose the optimal healtchare model and how to overcome those objections.
What inspired me to do this began nearly a quarter century ago when I witnessed firsthand the innovative New Zealand model while studying abroad in the country's capital city of Wellington. The financial economist and efficiency enthusiast in me was blown away at the simplicity and cost/care efficiency of covering any and all accidents through their Accident Compensation Corporation (ACC) model (details below). It is such an elegant political solution that has massive positive externalities for their society. Since that experience, I have always been curious about how that model compares to other national models, but I never had the time or energy to research it myself...until AI came along!
To get to the conclusion right away, imagine a system where every generic drug and every prevantive care treatment is covered, every accident and injury is covered (eliminating the need for personal injury lawyers for patients and malpractice insurance for doctors) while maintaining the U.S.'s innovation edge, and going back to a true doctor-patient relationship that focuses on prevention and early diagnosis. The model solves for both urban and rural settings and is designed to minimize the societal cost while maximizing the speed of delivery/treatment with the ultimate goal of improving outcomes and life expectancy for the entire population, not just wealthy elites.
Who wins? The patients and doctors.
Who loses? Lawyers and private insureres/benefit managers.
The Shift? Less lawyers and administrative middlemen, more doctors and nurses.
Too good to be true? Read on to see for yourself.
Part 1 - Summary of Major National Healthcare Systems
National healthcare models are generally defined by how they are funded, who provides the care, and how they handle the legalities of injuries. Here is a summary of 10 different global models, ranging from state-run systems to "no-fault" social insurance. Some models are common across multiple countries, some are specific to certain countries, and some countries use "hybrid" models where they borrow certain elements from different models. As a backdrop to this section, here is a table that summarizes the current cost of the healthcare system and life expectancies for the major countries mentioned in this section (estimated figures for 2024–2026 based on OECD and World Bank reporting).
1. The Beveridge Model (Socialized Medicine)
Named after William Beveridge, who designed the UK's National Health Service (NHS), this model treats healthcare as a public service, much like the library or the police.
- Funding: Entirely through general taxation. There are no "premiums" or insurance bills.
- Provision: Most hospitals and clinics are owned by the government; many doctors are government employees.
- Key Pros: Low per-capita costs and high administrative efficiency because there is only one "payer."
- Key Cons: Potential for long waiting lists and vulnerability to government budget cuts.
- Examples: United Kingdom, Cuba, Spain, New Zealand (for non-accident health), and the Nordic countries.
2. The Bismarck Model (Social Insurance)
Named after Prussian Chancellor Otto von Bismarck, this system uses an insurance-based structure but functions as a non-profit social necessity.
- Funding: Primarily through employer and employee payroll deductions into "sickness funds."
- Provision: Hospitals and doctors are usually private.
- Key Pros: High quality, short wait times, and high levels of patient choice.
- Key Cons: Higher overall costs than the Beveridge model; requires heavy regulation to ensure the non-profit status of insurers.
- Examples: Germany, France, Japan, Belgium, Switzerland.
3. The Accident Compensation Corporation (ACC) Model
New Zealand’s unique model specifically addresses the legal and financial fallout of personal injuries. It is not a full healthcare model but a social insurance layer that replaces the legal system.
- Funding: Levies on employers, employees, vehicle licensing, and government grants.
- Provision: A "No-Fault" system where everyone is covered for accidents. In exchange, the right to sue for personal injury is removed.
- Key Pros: Virtually eliminates litigation and medical malpractice costs; provides immediate income support (80% of salary) for the injured.
- Key Cons: Creates a "two-tier" system where an injury (covered by ACC) is treated more generously than a chronic illness (covered by the general health system).
- Example: New Zealand (unique comprehensive version).
4. The National Health Insurance Model (The Hybrid)
This model blends elements of Beveridge and Bismarck. It uses private-sector providers but payment comes from a single, government-run insurance program.
- Funding: Monthly premiums or taxes into a single national fund.
- Provision: Private providers, but the government is the sole negotiator for prices (limiting costs).
- Key Pros: High administrative simplicity; the government has massive bargaining power to keep drug and procedure prices low.
- Key Cons: Can lead to rationing of care to control the single budget.
- Examples: Canada, Taiwan, South Korea, Australia (Medicare).
5. The US Market Model (The "Fragmented" Model)
Unlike other wealthy nations, the US does not have a single national model. Instead, it is a patchwork of all of them:
- Veterans Affairs: Functions like the Beveridge model (government-run).
- Medicare: Functions like National Health Insurance (government-payer, private-provider).
- Employer Insurance: Functions like a private, for-profit Bismarck model.
- Uninsured: Often resembles the Out-of-Pocket model found in developing nations.
The "Litigation Tax": The US model is highly litigious. Medical malpractice and personal injury cases contribute to high "defensive medicine" costs (unnecessary tests to avoid lawsuits), which experts estimate adds hundreds of billions to the national bill.
6. The Cuban Model (The "Prevention-First" Model)
As highlighted in the documentary Sicko, Cuba utilizes a strictly state-run, centralized system. It is essentially a Beveridge Model pushed to its extreme, focusing on neighborhood-level primary care rather than expensive hospital treatments.
- How it Works: Cuba has the highest doctor-to-patient ratio in the world (~8.4 per 1,000 people). Doctors are required to live in the communities they serve, often in the same building as their clinic.
- Success Metric: By focusing on "upstream" prevention (vaccines, prenatal care, nutrition), Cuba maintains an infant mortality rate of ~4.1 per 1,000, which is lower than that of the US.
- The Conflict: Critics note that while basic care is excellent, the system suffers from severe shortages of advanced medical technology, modern pharmaceuticals, and basic supplies like bandages or anesthesia due to economic constraints.
7. The China Model (The "Rapid Expansion" Model)
China’s system has undergone a massive transformation. It is now a Hybrid Model that aims for universal coverage while dealing with a massive private market for high-end care.
- How it Works: China operates a three-tiered system. Basic Medical Insurance (BMI) covers over 95% of the population. However, patients often face high out-of-pocket costs (around 27%) and significant disparities between wealthy cities and rural areas.
- Success Metric: As of early 2026, China has officially matched the US in life expectancy (79.0 years). They achieved this while spending roughly $900 per person, whereas the US spends $15,000.
- Modern Shift: China is currently shifting toward "Value-Based Procurement," using its massive population as leverage to force pharmaceutical companies to drop drug prices by as much as 80% to 90% in exchange for access to the Chinese market.
8. Israel: The "HMO Competition" Model
Israel uses a Compulsory Health Insurance system that excels at balancing universal access with private-sector competition.
- How it Works: All citizens must belong to one of four non-profit "Kupot Cholim" (Health Funds/HMOs). These funds compete for members based on service quality and additional "supplementary" benefits.
- The "Basket of Services": The government mandates a "Basic Basket" of services that every fund must provide. This ensures that no matter which fund you choose, your essential needs (cancer care, primary care, emergency) are covered.
- Success Metric: Israel has one of the world's highest life expectancies (~82.5 years) while spending only about 8% of its GDP on healthcare.
- The Innovation Secret: Because all health funds have been digitized for decades, Israel is a global hub for Medical AI and big-data research, as they have anonymized records for nearly their entire population.
9. Singapore: The "3M" Model (Personal Responsibility)
Singapore’s system is designed to prevent "moral hazard" (overusing free services) by requiring patients to have "skin in the game" through a system known as the 3Ms.
- MediSave: A mandatory health savings account. Employees contribute a portion of their salary to pay for their own future medical expenses.
- MediShield Life: A universal "catastrophic" insurance plan that covers large hospital bills and expensive treatments like dialysis or chemotherapy.
- MediFund: A government-funded "safety net" for those who cannot afford their bills even with MediSave and MediShield.
- Success Metric: Singapore consistently ranks as the most efficient healthcare system in the world. It achieves top-tier outcomes while spending roughly 4-5% of its GDP—half of what most Western nations spend.
10. Estonia: The "Digital-First" Model
Estonia is the world leader in Health Information Technology. It treats health data as a public utility owned by the citizen, not the hospital.
- The E-Health Record: 100% of Estonians have a digital health record. If you move from a rural village to the capital, your new doctor has your entire history, X-rays, and allergy list instantly via a secure blockchain-backed system (X-Road).
- E-Prescriptions: 99% of all prescriptions are digital. Patients simply show their ID card at any pharmacy to pick up medicine.
- The "Genetic Passport": Estonia has a national biobank where over 20% of the adult population has provided DNA. This is being used to move toward Precision Medicine, where doctors can predict your risk for certain diseases before symptoms even appear.
- Efficiency Payoff: Estonia’s digital solutions are estimated to have decreased operational healthcare costs by more than half compared to traditional paper-and-silo systems.
Part 2 - Design of the Ultimate Healthcare System
To design the ultimate healthcare system for 2026 and beyond, we must synthesize the "best-in-class" modules from across the globe. This OmniHealth Model is designed to eliminate the "triple waste" of administrative friction, litigation, and late-stage disease management. Here is a table that summarizes the potential impact of such a model with details of the model to follow:
The OmniHealth Blueprint: A 2026 Modular Hybrid
1. The Digital Spine (Estonia + Israel)
The foundation is a National Health Ledger, a blockchain-secure, citizen-owned digital health record.
- The Element: Every citizen has a "Digital Twin" that tracks every vaccine, lab result, and prescription from birth.
- Efficiency: This eliminates duplicate testing (a $200B/year waste in the US) and ensures that whether you are in a rural village or an urban trauma center, your doctor has a "Longitudinal Patient Record."
- AI Integration: In 2026, Ambient AI Scribes automatically update this record, freeing doctors from 4 hours of paperwork per day to focus purely on the patient.
2. The Community Frontline (Cuba + 2026 Virtual Care)
We adopt the "Doctor-and-Nurse" unit but upgrade it with modern technology.
- The Element: A designated Primary Care Team (1 doctor, 1 nurse, 1 AI health coach) for every 1,000 residents.
- The Preventative Layer: 100% of preventative care (screenings, vaccinations, annual "Deep Health" audits) is covered by the state with $0 copay.
- Rural Optimization: In rural areas, "Micro-Clinics" use advanced diagnostics (photon-counting CT and digital SPECT) to perform complex imaging locally, with results analyzed by urban specialists via the digital spine.
3. The Economic Floor (China + New Zealand + Singapore)
This layer stabilizes the system's finances and removes the "Legal Tax."
- The "Generic Drug Utility" (China/PHARMAC): The state socializes the procurement of all generic drugs. By using Volume-Based Procurement, the government forces manufacturers to bid for the market, providing maintenance drugs (statins, insulin, BP meds) for free to all citizens.
- The "No-Fault" Stabilizer (New Zealand ACC): We abolish personal injury lawsuits for medical errors and accidents.
- The Result: Doctors no longer practice "defensive medicine." Injuries are compensated quickly through a state-run board based on medical facts, not legal duration. This eliminates the 2%–3% of GDP currently lost to the US tort system.
- The 3M Financing (Singapore): For routine, non-preventative care, citizens use mandatory Health Savings Accounts (MediSave) to ensure "skin in the game" and prevent system overuse.
4. The Innovation Engine (Germany + USA)
To maintain a robust industry for new drugs and procedures, the "top layer" remains competitive.
- The Element: For high-end surgeries, elective procedures, and brand-new biologic drugs, the country uses a Non-Profit Market Model.
- R&D Clusters: The government provides tax-free zones for biotech companies and "Innovation Hubs" within university hospitals.
- Outcome-Based Contracts: For new, expensive cures, the state only pays the manufacturer if the drug achieves a specific health outcome (e.g., "Pay-for-Cure" for Gene Therapy).
5. Urban vs. Rural: The "Hub-and-Spoke" Integration
The system solves the geographical divide through a tiered delivery model.
- Specialization
- Urban Hubs: Complex surgery, Cancer R&D, Clinical Trials.
- Rural Spokes: Chronic disease management, Preventative Care.
- Technology
- Urban Hubs: Robotic surgery & AI-led diagnostics.
- Rural Spokes: Remote monitoring & AI-assisted triage.
- Delivery
- Urban Hubs: Hospital-at-home programs.
- Rural Spokes: Mobile medical units & drone drug delivery.
The "Universal" Inclusions
To summarize, here is what every citizen would be guaranteed for free (or with a minimal copay):
- Universal Generic Coverage: Treated as a public utility (like water).
- Universal Preventative Care: Free at the point of service to "bend the cost curve" early.
- No-Fault Malpractice: Protects doctors and ensures faster patient payouts.
Part 3 - The Roadmap for the U.S.
Transitioning the United States—a $4.5 trillion healthcare economy—to the OmniHealth Model is less like a single legislative act and more like a "phased hardware upgrade." As of early 2026, the U.S. has already begun negotiating prices for top drugs and digitizing records. The following roadmap uses those existing 2026 trends as a springboard to full transformation over 15 years.
Phase 1: The "Efficiency Launch" (Years 1–3)
Goal: Strip away the most obvious "friction costs" (admin and generics) to fund the rest of the transition.
- Year 1: The Generic Drug Public Utility.
- Action: Transition all 12,000+ FDA-approved generics to a federal "Beveridge-style" procurement model. The government pays manufacturers "cost-plus" directly and citizens pay a flat $0–$5 fee.
- Funding: Reclaiming the ~$100B currently lost to PBM (Pharmacy Benefit Manager) "spread pricing."
- Year 2: The Federal Health Spine.
- Action: Mandate a single, citizen-owned Digital Health Record (Estonia-style). All hospitals must use the TEFCA (Trusted Exchange Framework and Common Agreement) to ensure 100% data portability.
- Year 3: The "No-Fault" Pilot Program.
- Action: Three volunteer states (e.g., Utah, Vermont, Indiana) adopt the New Zealand ACC model for all injuries. Trial participants are immune to malpractice lawsuits in exchange for the state assuming all injury compensation.
Phase 2: The "Frontline Revolution" (Years 4–8)
Goal: Shift the center of gravity from high-cost hospitals to neighborhood prevention.
- Year 4: Universal Preventative Care.
- Action: Legislation mandates that all wellness visits, screenings, and vaccinations are $0 out-of-pocket regardless of insurance status.
- Year 5: The "Neighborhood Hub" Corps.
- Action: Massive expansion of the National Health Service Corps.
- The Element: Fund 50,000 new residency slots specifically for "Neighborhood Teams" (1 doctor, 2 nurses, 1 AI health manager) who live and work in designated urban/rural districts of 1,000 people.
- The New Doctor Incentive: If a physician or nurse student commits to 10 years of neighborhood primary care in the "Beveridge-style" public layer, their tuition is 100% subsidized, and their existing loans are forgiven immediately.
- Year 8: Rural "Smart-Spoke" Integration.
- Action: Deploying 5G-enabled micro-clinics in rural "healthcare deserts." These clinics use AI-assisted diagnostics to provide specialist-level care remotely, catching diseases like retinopathy or heart failure years earlier.
Phase 3: The "Structural Pivot" (Years 9–12)
Goal: Align the insurance and legal systems with the new "Efficiency" reality.
- Year 9: National No-Fault Rollout.
- Action: Following successful state pilots, the ACC model goes national. Medical malpractice insurance is phased out, and the "Litigation Tax" is removed from provider overhead.
- Year 11: The "Non-Profit Sickness Fund" Transition.
- Action: Private insurers are required to transition their "Basic Benefit" plans into Israel-style non-profit HMOs.
- The Benefit: They compete solely on quality of care and patient experience, while the government provides a risk-adjusted "per member" payment to ensure every citizen is covered.
Phase 4: The "OmniHealth Mastery" (Years 13–15+)
Goal: Finalize the 2026-era "Singapore-style" financial sustainability.
- Year 13: The "3M" Personal Accounts.
- Action: Transition from traditional "deductibles" to MediSave-style accounts. Every American has a portable health savings account funded by a small payroll tax, used to pay for non-essential, "layer 3" care (elective procedures/luxury amenities).
- Year 15: Precision Medicine Integration.
- Action: Linking Estonian-style genetic passports to the Digital Spine. The system moves from "Reactive" care to "Predictive" care, using AI to notify your neighborhood team of a high risk for a stroke months before it happens.
Part 4 - The First Transition Policy: the "National Generic Drug Utility Act"
This brief outlines the National Generic Drug Utility Act (NGDUA). It is designed to decouple generic medications from the for-profit insurance market and treat them as a vital public utility—similar to electricity or water—to ensure every American has access to essential medicine regardless of their income.
Policy Brief: The National Generic Drug Utility Act (NGDUA)
The Problem
In 2026, 90% of U.S. prescriptions are generics, yet prices remain volatile and supply chains are fragile. Pharmacy Benefit Managers (PBMs) currently extract over $25 billion annually in "spread pricing" and administrative fees, while patients skip doses due to arbitrary "tier" pricing from private insurers.
The Solution
The NGDUA eliminates the "middleman tax" by establishing a federal agency to handle all procurement and distribution for generic drugs.
- Total Savings: Estimated $120 Billion in direct annual savings to the U.S. healthcare system.
- Adherence Gain: Estimated 15% increase in patient compliance, preventing thousands of avoidable ER visits.
Legislative Language: A Framework
- Section 1: Short Title: This Act may be cited as the "National Generic Drug Utility Act of 2026."
- Section 2: Establishment of the National Generic Drug Utility (NGDU)
- (a) There is established within the Department of Health and Human Services (HHS) a National Generic Drug Utility.
- (b) The NGDU shall serve as the sole federal authority for the procurement, price negotiation, and supply-chain oversight of all FDA-approved generic medications.
- Section 3: Mandatory Bulk Procurement (The "New Zealand" Model)
- (a) Sole-Supplier Tendering: The NGDU shall conduct biennial open-bid auctions for every generic molecule. Manufacturers will be awarded 3-year "Exclusive Supply Contracts" in exchange for:
- A guaranteed "Cost-Plus" floor price.
- A requirement to maintain a 6-month national "Security Stock" on U.S. soil.
- (b) Decoupling from PBMs: No private Pharmacy Benefit Manager (PBM) shall have the authority to negotiate rebates or set formularies for drugs procured under this Act.
- Section 4: The "$5 Ceiling" (The "Beveridge" Model)
- (a) Point-of-Sale Pricing: No resident of the United States shall be charged more than $5.00 for a 30-day supply of any generic medication procured under this Act.
- (b) Universal Access: Medications under this Act are provided at $0.00 for individuals at or below 250% of the Federal Poverty Level.
- (c) Pharmacist Reimbursement: Retail pharmacies shall be reimbursed by the NGDU at the "Contract Acquisition Cost" plus a standardized $12.00 "National Professional Dispensing Fee."
- Section 5: Strategic Domestic Manufacturing (The "Civica" Element)
- (a) In cases where the private market fails to provide a bid for an essential generic, or where fewer than two manufacturers exist, the NGDU is authorized to:
- Grant low-interest loans for the construction of domestic manufacturing facilities.
- Contract with non-profit entities (e.g., Civica Rx) to manufacture drugs "at cost" for the national utility.
Implementation Logic: Why this works
By simplifying the supply chain, we move from a "hidden fee" system to a "transparent volume" system. Manufacturers get certainty (3-year guaranteed contracts), pharmacies get fair fees (no more being squeezed by PBMs), and patients get affordability. The "efficiency" comes from the sheer scale of the U.S. population. When the U.S. government buys for 340 million people at once, the "price per pill" for most generics drops to fractions of a cent.
Part 5 - The Opposition and How to Overcome Objections
Any plan that disrupts $4.5 trillion in annual spending will face a massive "Wall of Opposition." In the U.S., healthcare isn't just a service; it’s an ecosystem where one person’s "waste" is another person’s "profit." To overcome this, politicians can’t just argue about "fairness"—they have to treat it like a strategic economic transition.
1. Where the Opposition Will Come From: The "Big Three"
- PBMs (Pharmacy Benefit Managers)
- The Threat: PBMs (like CVS Caremark, Express Scripts, and OptumRx) currently sit at the center of the drug supply chain. They make billions from "spread pricing" and secret rebates.
- Their Argument: "Government intervention will lead to drug shortages and stifle the free market."
- The Reality: They lose their entire reason for existing under the Generic Drug Utility Act.
- The Trial Lawyer Lobby
- The Threat: Personal injury and medical malpractice law is a multi-billion dollar industry. The New Zealand-style ACC model effectively puts these firms out of business for medical cases.
- Their Argument: "This strips citizens of their 7th Amendment right to a jury trial and protects negligent doctors."
- Private Insurers
- The Threat: Shifting to Israel-style non-profit HMOs or a Beveridge-style floor reduces their profit margins and administrative control.
- Their Argument: "This is a government takeover that will lead to rationing and long wait times (The 'Socialized Medicine' scare)."
2. The Political Playbook: How to Overcome Objections
- Strategy A: Frame it as a "Tax Cut for Businesses"
- Politicians should not frame this as a "welfare" program, but as an American Competitiveness Act.
- The Pitch: US businesses are currently shackled by the highest employee healthcare costs in the world, making them less competitive than German or Japanese firms.
- The Hook: "We are removing the $1,000-per-person 'Middleman Tax' (PBMs) and the 'Litigation Tax' (Malpractice) to put that money back into worker wages and company growth."
- Strategy B: Make the PBMs the "Villain"
- There is rare bipartisan consensus that PBMs are "the toll booths of healthcare."
- The Pitch: Focus the public's anger on the fact that three companies control 80% of the market and profit from keeping drug prices high.
- The Hook: "We aren't socializing medicine; we're firing the middlemen who are stealing your prescriptions."
- Strategy C: Win Over the Doctors with "Professional Freedom"
- Physicians are often the most trusted voices in this debate.
- The Pitch: Show doctors that the No-Fault ACC model ends the era of "Defensive Medicine" and the constant threat of career-ending lawsuits.
- The Hook: "Under OmniHealth, you spend 100% of your time with patients and 0% of your time with lawyers or insurance adjusters. We’re giving you your profession back."
- Strategy D: The "Public-Private" Compromise (The Layer 3 Safety Valve)
- To avoid the "Socialized Medicine" trap, politicians must emphasize that the Innovation Engine (Layer 3) remains a private, high-tech market.
- The Pitch: "The government handles the 'basics' (Generics and Prevention), but the private market handles the 'cutting edge.' You still have the choice of private hospitals and the newest breakthrough drugs."
3. The "Silent Majority" Ally: Rural America
The OmniHealth Model is the only one that effectively solves the "Rural Hospital Closure" crisis by funding neighborhood hubs and digital spokes. By framing this as a "Rural Renaissance," politicians can peel away opposition in key swing districts that are currently losing their medical infrastructure.
Conclusion
As shown in the county-by-country comparison table above, the U.S. currently has one of the worst healthcare systems when it comes to both cost per capita and average life expectancy. This is having massive societal implications for our country, yet it doesn't have to be this way. As my AI prompts outlined, there is a roadmap to begin to shift the U.S. to a better healthcare model step-by-step. One could argue these recommendations rise above partisanship. Why not let the smartest technologies that humans have ever designed help us solve one of greatest global problems that plagues us all, particularly the U.S.
The issue with the U.S.'s political solutions to date (like the Affordable Care Act) is they don't address the underlying cost structure and inefficiencies in the system. They only address who pays by shifting the cost from individuals and businesses to the taxpayer. Well, guess what happens when the government pays subsidies but has no control over the costs, the costs skyrocket. It's clear from AI's optimal plan that we need to tackle the cost side through (1) digitazation of medical records owned by the individual, (2) nationally contracted generic drugs, (3) a national corps of doctors, nurses, and labs focused on prevention, primary care, and early diagnosis, and (4) reigning in personal injury lawyers and medical malpractice costs. Thanks to AI, what should have been obvious to our political leaders decades ago can now be obvious to everyone with access to an LLM.
If it means better lives for everyone at a lower cost, these ideas seem worth trying! We all need to demand more of our elected officials and we can use AI to help us cut through the partisan divide to design real solutions.
Footnotes
Here is a summary of the prompts I used in Google Gemini using Thinking mode as of Feb 1, 2026. It would be interesting to test these prompts in different LLMs to see if they draw the same conclusions.
- Is New Zealand's healthcare model of covering all forms of accidents a successful societal model? Are there other models that reduce healthcare costs, insurance costs, and litigation costs across an entire populations even better than New Zealand?
- Summarize the various types of national healthcare models from Beveridge to Bismarck to ACC.
- Include a summary of the US healthcare model alongside all the other models you just stated and include total per capita cost vs health outcomes for each.
- Are there other healthcare models to consider like China or Cuba which was featured in the Sicko documentary?
- Summarize the healthcare system models of Israel, Singapore, and Estonia.
- Rank each country mentioned in terms of healthcare costs as a percentage of GDP, life expectancy, and cost per capita in table format.
- Taking all of this into account, design the ultimate hybrid healthcare system that creates the highest efficiency in cost, the best life expectancy outcomes, and a robust industry for creating innovative new procedures and drugs. Be specific about elements from other countries you would adopt like whether combining Cuba's neighborhood level model, New Zealand's ACC model, and Israel and Estonia's healthcare records system would be beneficial. The solution should also optimize both urban and rural populations and cover whether new ideas like universal coverage for preventative care and generic drugs should be included.
- Create a multi-year policy roadmap for the US to shift to this OmniHealth model.
- Draft the generic drug utility act brief and language.
- Where will the opposition to this plan come from and how can politicians overcome any objections?
- What resources and how many man hours would have been required to compile the healthcare system research in this prompt and create the recommended optimal plan prior to the advent of AI and LLMs?
This last query provided the following fascinating response:
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To produce a comprehensive "White Paper" of this scope—complete with cross-border economic analysis, legislative drafting, and a 15-year strategic roadmap—would have historically required a multi-disciplinary team of experts and a significant budget. Prior to the advent of AI, a project like this would typically be commissioned by a high-level think tank (like the Brookings Institution or the Rand Corporation) or a top-tier management consultancy (like McKinsey or BCG).
Here is the breakdown of the Pre-AI Research Team of 5-7 specialists you would have needed to reach this level of synthesis:
- Lead Health Economist: To handle the GDP and per-capita cost modeling.
- Policy Researchers: To dig through OECD, WHO, and World Bank archives for the specific "Consultorio" (Cuba) and "ACC" (NZ) data.
- Healthcare Attorney: To draft the "legislative language" for the Generic Drug Utility Act.
- Systems Architect/Data Scientist: To model the "Estonian Digital Spine" and workforce gap analytics.
- Editor/Technical Writer: To synthesize the jargon into a readable brief for a politician.
If we calculate the financail cost using mid-market consulting rates (~$200/hour for policy analysts and $400/hour for senior economists), the bill for this research would have ranged from $120,000 to $250,000. The "turnaround time" would have been 3 to 6 months to account for peer review and data verification. The final product would have likely been a 200-page document that no politician would actually read.
The "AI Advantage" vs. The Human Expert - The reason AI can condense 800 hours into a few minutes is Multimodal Synthesis.
- The "Pre-AI" Researcher had to find the Singapore data, then find the Cuba data, then manually calculate the "Efficiency Multiplier" in Excel.
- The AI already holds these datasets in a "unified latent space." It doesn't have to "go find" the New Zealand ACC model; It is looking at it, the US budget, and the Estonian blockchain architecture simultaneously.
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As a reader note, I crafted this entire query and compiled the information into this blog in 4 hours of time one early morning when my mind was racing on this topic. What would have taken months and $250K to create, I did in a few hours at virtually no cost. This shows the incredible power of AI and how it will truly be transformative.
Brilliant!! Sending this to Mark Cuban immediately.
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