Ahh... it’s not in need of fixing. It’s in need or repealing. Then, INDEPENDENTLY, enact things such as tort reform (e.g., loser pays), allow medical insurance to be marketed to other states, etc.
Tort reform has been enacted in about half the states. In none of them have medical health premiums gone down. Malpractice premiums, yes. But healthcare costs, no.
...allow medical insurance to be marketed to other states...
If I live in Missouri why would I want to buy insurance from a company that does not do business here? And why would that company want to sell it to me?