The document is a final reflection paper on improving the US healthcare system. It argues that while the US spends the most on healthcare, it underperforms compared to countries that spend less. This is due to a lack of cost control, universal access, and transparency. The paper proposes adopting aspects of Singapore and Japan's healthcare models, which emphasize social harmony, personal responsibility, and transparency. It suggests establishing a flat fee for all healthcare services paid by providers to control costs and incentivize value-based care between payers and providers. Overall the paper argues the US could lower costs by improving collaboration, transparency, and personal responsibility in the healthcare system.