However, an EO rescinding the exemption for members of Congress and their staffs would be entirely appropriate.
Insurance is about a cost for a risk and how to cover that cost.
But one elephant in the room is NOT about basic risk but the constantly rising cost, not of “insurance” but healthcare itself. It is healthcare and its often outrageous cost that is the main driver on health insurance costs.
The second elephant in the room is government mandates that dictate that “insurance” for various healthcare needs MUST be part of a policy. THAT increases RISKS that such needs will be obtained and have to be covered - adding to ALL premiums cost.
“Insurance”, other than for major catastrophic healthcare services is actually the wrong way to have healthcare services paid for. ALL it has been doing is to “insure” the healthcare providers will get their money, no matter what it is, without a squawk.
What is needed is for a big % of premiums to go into a health savings account, from which, the consumer, bargaining with the healthcare provider, pays directly for most services. Should a catastrophe happen, their premium has been “insuring” some coverage for its costs.
The healthcare industry will be faced with consumers directly, not the “insurance” industry for payment for most things. That will also greatly reduce their administrative costs of adjudicating “coverage” against many different insurers rules.
The main thing is to get the consumer acting as they should be able to, as a direct market force on what healthcare providers can get away with.
We would see a breakdown of the health care industry AWAY from “the hospital” being as central as it is and tons more specialized providers actually competing to get those consumer dollars UNCOMPLICATED by “insurance”.