Washington health care reform has become another vehicle for the continued 40-year wealth transfer upward, and advances Multi-payer commercial health insurances with high overhead/administrative costs. A Single-Payer health insurance, "Medicare-for-All,  could save the U.S. $500 B annually, and another $150 B with negotiation of bulk rate medicine prices - enough to provide coverage for all, while eliminating the 30% administrative costs of multiple private insurances. An innovative proposal would allow the federal government to "buy out" commercial health insurances, with a two-year payback period. It would create a single large risk pool insurance, an improved Medicare-for-All.