I see. Yes something has to be done. I think “insurance companies” should be out of the loop. They are an expense (via profit requirement) that could be wrung out of the system. Besides insurance is supposed to be for unforseen catastrophe, not to cover everyday issues. We ALL are going to need healthcare at some point.
Healthcare should be decoupled from employment. It probably would do away with a lot of the age discrimination going on.
Also when you don’t have to worry about paying for the healthcare of someone working remotely from Mumbai, it’s no wonder American workers are at a disadvantage.