I think if they want just one plan, it needs to be done in the privete sector. I could see all people basically subscribe to the same basic plan with a rather high deductable. Then use flexable spending acounts to pay for medical needs below the deductable limit. The employer could even match here like 401K. If you don't use all of the money in your FSA then it could be rolled over to next year, or rolled over to 401K/IRA. This is how our crop insurance works, and if no claims are needed, we pay our premium and go on. All plans are basically the same. Price would be up to the underwriter, but a phone call or web site visit and the price would be in front of you. Not this miriad of plans or policy. Insurers created this mess when they started covering every doctor visit, every time. I also feel like the costs are rising due to the fact we pay for a large part of the worlds research. Places with universal health care do not fund the research beacause when the profit is gone, so is the research. As more countries go to UHC we are left with a bigger burden. A high deductable plan would force consumers to see what is being paid for health care. We all know how much it costs to keep a car on the road: gas, oil, insurance, major break downs. But I dare say what anybody knows what was spent on health care. If it were true insurance then it does not matter as to age. By definition insurace must be averaged and that is why I think that it is now called health care plans.
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