The govt needs to rip out the tax deduction for employers, which is a big band aid. Until this is done nothing will change.
Your company doesnt pay for your car insurance or home insurance, why does it pay for your health insurance?
Your company doesnt pay for your car insurance or home insurance, why does it pay for your health insurance?
One other option -- make Hospitals be both insurer/provider. They get recurring monthly income, they'd pay 'other' providers when you're travelling out of network, but they'd be more able to bring down costs, the government should set limits though on surgeries and their needs to be more transparency in pricing.
You'd subscribe to your local hospital and pay a % of your income to the hospital they'd take everyone regardless of income level.
Also, uninformed consumers will opt for cheap plans without checking for (or realizing their personal susceptibility to) major pitfalls that the ACA used to protect against before the Republicans pulled it apart.