Disagree with #2: Let the insurance companies offer what they want to offer, and let the consumers choose what they want to buy. You know, that free market thing...
That would work except it drives the cost of medical care through the roof. Doctors must hire staff just to do the paperwork. And the insurance companies want to be part of the process, which means they want patient data, and to put limits on ordinary care.
The insurance companies are, or at least were, big backers of Obamacare.
Insurance companies involved in regular care is like insurance for gamblers in Vegas. The axiom is all wrong.