I like your starting steps, but a couple more measures would put more power in the hands of individuals.
Individually tax deductible insurance premiums.
Pre-tax contributions to personal and family HSAs.
Tort reform.
IIRC, we already have pre-tax contributions to HSA’s. I have one, and now that you mention it I’m going to have to go back and verify that.
Like your other two add’s. Well done. Agree, Tort reform IS needed to bring costs down.