Pre-existing conditions are only covered after one year into a policy. (oh wait, that was the way it was)
If your kids were in college they could be on your plan. (oh wait, that was the way it was).
If you had a low income job, you are eligible for medicaid. (oh wait, that's the way it was)
Require all health insurance companies to pay out 85% of their collected premiums in the form of provided benefits or return the amounts to customers as policy payment credits going forward. ie, General and Administrative expenses shall not exceed 15% of policy revenue base.