“We can argue that the law is moot”
HA! How can they claim otherwise when they are busy dismantling the “law of the land” by executive orders, exemptions, talking points, and regulations??
I would like to see o care in a graphic — a puzzle, with all the pieces missing because they are not there at all [such as the payment system], are working only sub-standard (such as the back end to the insurers and the web-site which they should NOT be operating without security!), waived, postponed, retracted by order or regulation, etc.
That would show to the naked eye what if anything of the law IS operating AS legislated.
Yes, other options. One reason the insurance system got so convoluted is precisely that businesses could take the deduction, and individuals cannot. THAT needs to go. Either no one gets the deduction, or everyone does.
More MSAs, catastrophic insurance, etc.