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IMHO, the law will be struck down completely because the mandate can't be separated. Now we are hearing that some insurance companies will keep parts of the bill. The costs have been rising since Obamacare was passed to pay for keeping the kids on to 26 and pre existing conditions. None of the provisions in Obamacare would be impossible to keep, but the mandate would have been used to pay for it. As long as you volunteer to pay, you could have a custom package for yourself. The problem arises when you require everyone to have "your" deal.

What is desired is to lower everyone's costs to insure more people for less. Government meddling inevitably means higher costs for everyone with rationing to follow.

The only tried and true fix will include more competition, less money involved in lawsuits, and more individual control. When insurance companies have to compete for our business, they will have incentives for us to insure with them. Just as in the case of banks, when government gets out of banking, we have fees for everything and profits fall. When government gets out of banking, they advertise different benefits to attract you to their bank instead of somewhere else. If insurance had to compete for your business, then you would see more bennies for less money.

There are many options that could work, but why not pay an individual to buy insurance and allow him to keep whatever money he could save? The resulting wave of saving money would astound anyone paying attention. Just allowing people to shop around would save billions. Ask your doctor how much an upcoming procedure costs and see the turmoil that causes. They either don't know or don't care. When they quote a price, tell them you want to shop around and see the look on their face. The government doesn't care because the taxpayer pays and the insurance company doesn't care because you or your employer pays.