The only way to do that is to remove the requirement to cover pre-existing conditions and the prohibition against capping total benefits paid out. Without those the insurance company's liability is unlimited.
Lets NOT continue to protect the medical malpractice legal shakedown industry driving up costs and unnecessary tests.
Half the states in the country have enacted some form of tort reform capping malpractice payouts. In none of those states is there any evidence that it's lowered health care insurance premiums or reduced the number of tests ordered.
Ahh .... try “LOSER PAYS” if you want to see REAL tort reform. Award “caps” are not effective to any large degree. Under caps the “Settle or we’ll sue” shakedowns continue.
Which, as I'm sure you know, are two of the three things that command huge majorities in Congress and among the voters.