I’m not sure why the government is doing what they’re doing. The entire health insurance thing seems like a scam no matter which political side gets involved.
What already works is a catastrophic health plan. I have one that covers my family for $60 a month. The one we have is good for $500k of care (per illness) and has a $5k deductible.
Most people don’t need health insurance to go see the doc for most problems. What you normally pay out of pocket per year is still less than what you pay in employer insurance.
So what’s covered? Anything you have to be hospitalised for, which is where the big expenses are. They pay most of it. It’s just as much as your employer Blue Cross plan pays.
Drawbacks? No drug plan if you’re older and need a continuing prescription. But you can buy drug plans, and much of what most of us need is available via generics anyway.
No plan fits all, but catastrophic health care is plenty suitable for most.
