Give incentives for a CASH system to develop alongside traditional 3rd-party payer systems.
Let patients negotiate directly with doctors for this, give tax benefits to medical groups doing this.
Also allow people to form any health insurance association, group or collective they wish, without interference from Government. I am absolutely certain my Church, with its 1000 members, could create an insurance scheme for its members, that would take care of everyone in the Church, old and young, at much lower costs than government or 3rd party payer could.
enforce the rule of law and contracts against insurance companies. No “fine print” and no cancellations on agreed rates and terms.
The word scheme carries a negative connotation. < /word police >