The problem with most Medicare reform plans, including the Affordable Care Act, is that they do not change the incentives for any entity involved. The National Center for Policy Analysis (NCPA’s) reforms, however, would dramatically change incentives. Specifically, Medicare patients would have a direct financial interest in seeking out low-cost, high-quality care. Providers would have a direct financial interest in producing efficient, high-quality care. And workers/savers would have a financial interest in a long-term financing system that promotes efficient, high-quality care for generations to come.