JUST STOP IT !!!!!!!!!!!
Let people buy health insurance wherever they want
Make ALL medical expences tax-deductible
Make fines for unethical health insurance company behavior astronomical INCLUDING mandatory jail time for insurance fraud (by the company or by the insured)
THAT’S IT
Changes/additions I would make to your points. First, people should be able to purchase the type of coverage they want. For instance, if someone wants to only purchase coverage for in-patient services and none for out-patient, they should be allowed to do so. Others, like me, may want to not have coverage for anything related to maternity, mental health or cancer treatment.
Second, significant insurance fraud is committed by doctors who should be included in the mandatory jail time. A prime example of this is occurring by Medicare providers yet no one in the government seems willing to do anything about it.