Help me out then. How is this similar to the ACA?
"In a free-market based plan, employers would be getting out of the management of your healthcare. And insurance companies would as well.
Health insurance would be for emergency care and for lack of a better term, "catastrophic" situations only, much like your car, home, life, etc. insurance. For example, you get a cancer diagnosis, the insurance company would give YOU a payout. You then decide on the treatment. YOU are in control of your care, not the insurance company.
This insurance would not be tied to your employment. You would buy this as an individual, and and long as you keep paying premiums, they can't drop you. Insurance companies will set rates by your risk factors, again much like car, home, and life insurance. Instead of doing everything they can to keep unhealthy people away like they do now, now they will be competing for all types of customers.
The consumer will be responsible to pay for routine exams, RX's, diagnostics, etc. They will do this with tax-free Health Savings Accounts. As an employee benefit, employers will contribute to these accounts as well. Your care will be managed by YOU, not your employer and not your insurance company."