Why not have 3 insurance choices? 1st choice is major medical only covering hospitalization. 150 a month. 2nd choice is medical with copay is 200 dollars a month and a 50 dollar copay and 3rd is best medical at 350 a month but not another dime spent.
i just fixed our medical problems in 2 minutes.
Just be sure it is FREE ENTERPRISE and not communism. I’m in!!