For starters, we could get back to what "insurance" is really for ... insuring against catastrophic events. Most states require car owners to carry liability insurance ... to protect a third party in the event of the driver's negligence. But many people CHOOSE to add comprehensive, collision, rental car, towing, etc. In other words, they tailor their policies to their own needs. Why do I, as a 60-year old woman with her tubes tied, need to have pregnancy care included in my health insurance? Most states also require that drivers keep "uninsured motorist" coverage, to cover the cost of damage from an uninsured driver.
Auto insurance is NOT used for ordinary maintenance, diagnostic testing, etc. Imagine what auto insurance would cost if "insurance" included routine care. People buy additional warranty or maintenance services if they want that stuff covered.
The same should be the case with health insurance. Let us decide what we want covered for ourselves. Add an "uninsured motorist" type of coverage, if necessary to cover the deadbeats in the ER.
Consumers and providers need to be in direct contact with each other. This is what keeps the costs in line.
I am right there with you, RightField. ANd if this was about real reform, not just a tax increase and a power grab, such proposals would be seriously considered by Congress. Unfortunately, that is NOT where the discussion is.