As soon as catastrophe-only policies with high deductibles are allowed, I'd wager a lot of the uninsured will choose that. That's what insurance was before HMOs came to be.
Pre-existing conditions? How about the OPTION of a government run clinic-style option for only those conditions too expensive to insure, and only when people had the disease? That way, the government would be incentivized to find the least expensive solutions and the pharmaceutical and insurance companies wouldn't have profit or loss from them. Everything except the condition, the person would be responsible for their choices.
The whole idea of insurance covering things which have already happened (like pre-existing conditions) or has to happen (like doctor's visits and vaccines) is insane. The purpose of insurance is to protect one against unexpected and expensive things that might happen.
As soon as catastrophe-only policies with high deductibles are allowed, I’d wager a lot of the uninsured will choose that. That’s what insurance was before HMOs came to be.