My solution is drastic. Eliminate all health insurance companies. Pass a law requiring all caregivers to provide service and then seek payment. The only job of goveremnet will be in the courts to help procure payment from all who can afford it. Establish community boards who can address grievances. Let the market set prices where average person can afford it.
Was it ten or so years ago that the cost of insurance was fairly reasonable and the cost of an office visit was reasonable too. What happened?
15 million illegals all getting free care at emergency rooms?