Mark Cuban’s 10Plan, Then and Now: From the 2019 RAND-Modeled Self-Pay Concept to the 2026 Bank Account Reboot, and What It Would Actually Mean for Insurers and the ACA Risk Pool

Mark Cuban’s 10Plan has two versions and they are structurally very different. Most commentary conflates them. Here is what actually matters.

Version 1 (2019): no upfront premiums, Medicare-rate pricing, 3% federal loans for unpaid bills, repayments capped at 10% of income. RAND modeled it across 15 years. The findings were complicated.

RAND projected 46M…