1. Repeal federal and state level mandated coverage of conditions, treatments, and procedures.
Federal and state level mandated coverage drives up prices because you have to pay to be covered for conditions, treatments, and procedures that don’t apply to you. Repeal will open the health insurance market to inexpensive, catastrophic health insurance options that will make health insurance accessible to the vast majority of people who can’t afford it today, or who spend huge sums on their policies. And it will allow health insurance tailored to specific conditions to emerge. Rather than trying to minimize serving people with severe or chronic illnesses (within the confines of current regulations) to avoid losing money, health insurance companies will embrace opportunities catering to this underserved group, often in cooperation with charitable organizations.
2. Repeal restrictions on selling health insurance across state lines.
Today’s limitations on selling health insurance across state lines has resulted in each state being its own limited marketplace. Repealing these restrictions will enable health insurance companies to create larger risk pools and greater economies of scale, driving down health insurance costs.
3. Decouple health insurance from employment.
Tying health insurance to employment reduces the control you have over planning your health coverage. Decoupling will give you control to shop around for health insurance independently of your employment. Health insurance will become like homeowner or auto insurance, both of which you buy independently of your employer.
Think Right or Wrong, Not Left or Right 