Well it’s an interesting problem. First is tort reform. Second would be interstate competition between insurance companies would naturally lower the price.
Pre-existing conditions are hard because we can’t have people waiting to get sick and then signing up for what at that point wouldn’t really be “insurance”. The only way I can see around this is to force everyone to always have insurance and that’s illegal - or should be. I’ve thought a national major medical only pool for those who don’t have and/or can’t get regular policies would be an answer. Seems to me if one signs up for this the cost should come out of paychecks, or tax refunds or welfare payments...anything the govt could do to make sure the premiums are collected. Although how can we trust them to not screw it up?
What I see as big problems are illegals and those who would rather have fancy cell phones etc. than actually pay for their own health care and now are whining that they want us to do it. More honest people would at least buy into the national pool I mentioned above.
Like an 'anti-grace' period when you start your coverage and paying premiums and you start using the more costly provisions. Maybe a health insurance contract that first starts as covering you in preventative care, and then after a 6 month or 1 year period, the company can invite you to their full coverage plan.
Maybe its time to rethink the whole concept. Is it reasonable to cover everyone, regardless of their ability to pay? You mentioned illegals/deadbeats, how do we eliminate the incentive for these kinds of people?