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This chapter is excerpted from ‘Health Financing Without Deficits: Reform That Sidesteps Political Gridlock'. America's health system has been a polarizing issue in most presidential campaigns in our lifetimes. It is hardly surprising that an industry that consumes nearly one in every five dollars spent in the US economy has loomed over our politics. Its only competition in the last few decades was the nuclear standoff with the Soviet Union during the Cold War. It will be prominent again in 2016 and beyond. This book will guide you through the fusillade of charges, and promises, you will hear in political campaigns about health care and 'reform'. They will occur now that the fiscal calamity of Boomer retirement is no longer a threat: it is here. For all the attention Social Security receives, Medicare is the truly scary entitlement program, with unfunded liabilities many times larger. This book also offers a powerful tool of reform. The Health Insurance Revenue Bond (TM) (HIRB) is a new and completely self-liquidating financing approach that fully funds escalating liabilities such as health care - without deficits. If you can't bend the curve on health costs, bend the curve on the cost of funding (TM). The HIRB program can assist governments in developed nations to begin the long and painful process of deleveraging.