1. Require insurance providers to treat the entire county as one (1) risk group, with NO divisions like “preferred”, “Non-smoking”, etc… everyone in the same pool.
2. Allow deductions to be applied against the policy premium based on “healthy lifestyles” or other reasonable conditions, at the option of the insuring company, which may/will vary. Implement reasonable penalties for deliberate fraud on the part of the consumer (misrepresentation) to receive unearned benefits.
3. Use the commerce clause to allow companies to sell policies across state lines. Example: As a Georgian, I could buy a policy written under the state requirements of Montana (or California, Texas, etc.) – I’m not restricted to Georgia state requirements. *I* – as the end-consumer – get the option to pick-and-choose which set of state-level rules *I* wish to be obligated under (as a payer and recipient of benefits). Some tricky details here, but you get the idea.
4. Set a low minimum coverage requirements (specific conditions) at a national level. Require states to accept national minimum but states may (will) define insurance coverage mandates as they see fit: but which only apply to polices under their state guidelines (see #3). Kick 2% of the premium back to the state whose rules were selected by the consumer for his personal policy (incentive to states to encourage business in their state).
5. Allow consumer to choose to Opt-Out of *any* requirement: federal or state level. If I do not want to pay for pregnancy coverage, I’m not covered. The point: why are MY PARENTS - in their 70’s and 80’s - *required by law* to have a policy that covers pregnancy?
6. Require states to insure citizens (not "residents") of their state at the minimum national level, regardless of income. This could be handled by a “pre-bate” of the monthly premium amount required for national minimum (a health care spin on the Fair Tax pre-bate) – everyone gets the pre-bate regardless of economic status (only fair).
7. With new system in place, drop Medicare/Medicaid and eliminate workers comp. Not needed.
8. Require citizens to insure themselves or prove legitimate reason why not, i.e., taking a pauper’s oath.
9. Establish barrack-style living quarters for those taking pauper’s oath – these become VOLUNTARY “Service Camps”. Minimum living needs (food, shelter) to be provided by state. Unless physically unable, as established by state doctor, pauper to work for state in “community service”. Definition of work required left to states. Sidebar: All illegal immigrants shipped to service camps instead of being deported?
10. Tort reform: Adopt “loser pays” rule for all health care claims. Legal counsel (lawyers) to be personally liable under “loser pays” for lost claims by pauper or any situation where individual loses and has no assets to cover legal costs of winning side.
More details to be sure – a Big one is receiving care for a condition when you chose not to pay for coverage – but that can be handled simply.
BTW - I don’t like it, but I am willing to accept, an individual mandate if imposed on the state level – but I have a constitutional issue with any federal mandate. I can move if I want. *But* under the suggestions above, I don’t *have* to move, I can just take my business elsewhere.