I like your “one-bite-at-time” plan.
1. Repeal the penalties for NOT buying Obamacare insurance. Healthy folks will then be free to buy the health insurance they actually want at a much lower cost from the multi-state market.
2. Authorize tax-deductible Health Savings Accounts that are NOT “spend-it-or-lose-it” plans for routine medical expenses like check-ups and shots.
IMHO, these changes will cause mass defections from Obamacare.
3. Transfer those remaining Obamacare patients with serious health problems to Medicaid.
4. Refer any remaining Obamacare patients to “vetted” private insurance companies. The patients can then choose the insurer they like an. They can also choose the features they like — such as coverage for dependents until they reach 25, at the level of coverage they are wiling to pay for.
Yep. Medicaid is probably the best way to provide medical care to seriously ill people.
I’d like to see health insurance sold like car insurance, by any insurance company regardless of state, to any willing customer in any state. This ends the virtual insurance monopolies in most states.
Prices will come down & tailored policies will become the norm.