Effective insurance is as important as mere coverage. Suggestions:
1) Do away with wasteful first dollar insurance. Too much costly paperwork is involved for small claims everyone can afford to pay. Have deductibles for small amounts but be sure to cover catastrophic losses.
2) Make insurance portable from job to job and state to state. That’s a worthwhile change most folks need right away.
3) Make coverage available to all, but not just when someone gets sick. That’s like buying fire insurance only when your house burns down.
4): Have interstate insurance competition. You can be sure that will reduce cost.
5) Most importantly: Eliminate questionable law suits with tort reform, preferably with arbitration panels that eliminate the huge lawyer’s take. And wipe out health care fraud.
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