Rand Paul has the best idea I’ve heard. Health insurance analogous to whole life insurance. At age 18 or 22, people should be able to purchase 40-50 year health insurance plans.
This solves most of the problems with pre-existing conditions.
The coverage would be true catastrophic insurance, so premiums would be reasonably priced.
The difference could be paid in a number of ways, from out of pocket to supplemental insurance.
Writing these policies would be enormously complex, but that’s what actuaries and medical experts are for.
And plans could be rated by independent PRIVATE accrediting agencies to facilitate informed shopping.
After age 72 people could be covered by charity or Medicare.