How to achieve it? Simple: All medical insurance payments may only be made directly to the beneficiary who is covered by the policy. No direct payments to any intermediary. They must present an actual itemized bill for every fee and service and be paid by the patient.
But of course nobody wants to really solve the root issue, which is why all talk of "reform" is just window dressing.
Price transparency:
Most German patients have never seen a medical bill until fairly recently. They may now be charged 10 Euros every three month quarter in which they get care.
Britain’s NHS is still free at the point-of-service.
Basically, insurers should be legally empowered to set proper pricing, both for premiums and providers (drugs, hospital care, office visit) payments, subject to legal system review.
Let us say your significant other is very, very sick. You’ve been told that person needs a drug that will be charged at $84,000/year, that will keep your significant other alive for at least one more year. What will you do?