I could fix health insurance problems for $0.
1. No insurance from employers, other than accident. Employers cover all accidents whether on the job or not (as done in Switzerland). Those who are currently providing health insurance for their employees, give them that amount as part of their salary.
2. Insurance allowed to be sold across state lines.
3. Every insurance co doing business in the USA is mandated to provide for sale a low cost bare bones coverage to anyone wanting it. This coverage gives the poor person a chance to visit a doctor (not any doctor, lower amount of care) and a hospital if very sick or hurt, ward style care, not as much attention, but decent cheap care. (As done in Switzerland)
Insurance companies sell only to individuals and families, but they can be free to make their own kinds of groups or deals as they see fit as free markets allow.
Government get out of the way and watch health insurance plans get creative and people will find deals online or in other states for anything. Let the creativity of the marketplace grow.
I would like my auto insurer (State Farm) to sell me some health insurance, de-coupling me from my employer who I buy it from/with.
I already have 4 policies with State Farm, not just auto, plus a truck loan, and it’d be convenient if they broke into health insurance, I’d use them.