Too Complicated.
Since we have broken the constitution and mandated insurance, let the market solved the problem.
No mandated benefits. Set the basement as the insurance company pays 0% and catastrophic coverage for anything over $25,000. For the young and healthy, paying the insurer negotiated rates would save them 50-80% compared to uninsured medical costs. $25,000 is not an insurmountable debt for a young working person. The combination should be very affordable.
For pre-existing conditions, I would not be adverse to a temporary subsidized high risk pool.
“let the market solve the problem”
The problem mainly is the federal government Article I, Section 8 patents that make drugs expensive and account for ~80% of the pre-existing condition problems.
If the federal government doesn’t cough up the bucks to keep Mr. Drug User supplied with patented drugs and alive, some leftist judge will Roe v. Wade the federal patent system for drugs.
In 2012, the Chinese government declared drug patents to be allowable only in the national interest - i.e. the patented drugs generally had to be sold below cost of possible pirate copies.
“Too Complicated.”
I’ve tried to make a system that works well without annual $750 failure to purchase penalties.