How about just repeal the mandate? Obamacare would die a gradual death, and market forces would emerge to meet health care needs.Because then we would just revert to the status quo ante. Which, I think, is Dutch for, back to square one. The very square that started this whole lunacy being lack of health care coverage.
With HSAs and MSAs, you actually are being proactive.
No, it wouldn't be a return to "square one". It would be available, not a mandate. It would become a sort of Medicaid for those who want it, but based on ability to pay.
What could be simpler?