I agree that there needs to be tort reform. However the fundamental problem is that insurance is picked by the employer and not the individual. The individual should be responsible for his decisions, not a corporation and certainly not the federal govt.
The corporation gets to choose, because the corporation generally pays the lion's share of its employees' insurance premiums. In my case, I think it's about 80%... Plus which, they handle all of the negotiations (and most likely get a better price than I could on my own), and they handle the enrollment.
One might plausibly argue that corporations should get out of the middle, but we shouldn't fool ourselves into thinking that it would be easy; in fact, it might be a lot harder for individuals, and may well cost more.