no. kill the beast. PERIOD. no need to “start over”. let free market reign
Sure, that's fun to say, but what, exactly, does it mean?
The best way to get what you are asking for is to do away with the individual mandate. If someone doesn't want (or need) insurance, they shouldn't be forced into buying it, right? And if they DO want insurance, they are welcome to buy into it. Sound good so far?
Here's the next step: Hundreds of thousands, if not millions, of currently covered individuals drop their current, over-priced plans. Others immediately begin "shopping around", but immediately find a problem - those plans currently in place? Every single one of them is based on the number of extremely sick people currently enrolled in a plan, and receiving treatment, which means extremely high premiums, deductibles and copays for an otherwise healthy adult, to cover the costs of treatments for the really sick folks. So, those folks that are inclined to purchase coverage decide not to do so, due to the still high cost of coverage. And those others who just don't want or need the coverage? They opt out, too. This leaves insurance carriers stuck with millions of very sick enrollees who are requiring high-dollar (multi-million $$$ in some cases) claims to be paid by the insurance carrier, and little to no 'healthy' people paying those high premiums, deductibles and copays that kept the others afloat. Within 3-6 months of enacting your plan, the insurance carriers go very bankrupt, leaving one solution: single payer.
So change the plans to make them like they were pre-zerocare, right? Well, not overnight. You see, these new plans designed with zerocare in mind? They took a couple years, and several millions of dollars, to come up with. Then, they had to be sent for review to the state insurance commission, the entity that approves rate hikes, plans, etc. Once approved, those plans are then setup to go into effect the 1st of the following year after approval.
My point in this diatribe? Well, there are a couple of points - 1. zerocare, as much as I prefer the contrary, is not going away fast. It will indeed take thoughtful planning and preparation, and don't expect to see major changes within a few months of Trump being sworn in, and 2. Be careful what you advocate for. Know the system. Know the process. Understand the repercussions before supporting a given solution. To do otherwise could indeed put us right where we fear we are headed.