Here's the problem with your approach: The insurance industry won't do it.
It's easier and cheaper for them to buy members of Congress to keep the subsidies flowing.
The evidence for this is that there are vast sections of the "Affordable" Care Act that are unconstitutional on their face, and yet nobody in the insurance industry or in a state government has taken it upon themselves to file legal challenges to them.
They have no incentive to fix a "problem" that generates hundreds of billions of dollars in revenue for them.
That’s been the problem all along. The insurance companies “follow” the Obamacare mandates and are paid handsomely to do so.
Best plan is to short-term extend with a mandatory retooling the insurance coverages away from the Obamacare mandates. The Admin & Repubs are trying but always the Dems threaten to filibuster and then have the media blame Republicans.
Well, someone like United Health Care can’t lose very many billions of $$. Their net revenue in 2024 was $400.3 billion but their net income was only $14.4 billion, which works out to a net profit margin for 2024 of 3.6%. Their CEO, Andrew Witty, received a total compensation of $26.34 million in 2024. That’s a tidy sum indeed, but even if 100% of it went back to customers, it would be meaningless.
Perhaps we are barking at the wrong dog.