I would prefer to get the insurance companies out of the equation altogether.
Let consumers contract with doctors on a retainer basis, just as with lawyers. Medical firms will compete with each other on price, keeping prices down.
I agree. Everyone should have a policy with a huge deductible to cover the big things, and pay for the routine stuff out of pocket, which is exactly how other kinds of insurance works.
Add tort reform to that and the “health care crisis” is solved.
If the gummint wants to get involved, they can underwrite the catastrophic care policies for the “poor” and leave the rest of us alone.