How I Would "Fix" Health Insurance

This was lifted and slightly modified from a recent post to stand on its own.

Below is my 4 Point Plan to FIX the national health insurance problems once and for all. Too bad it will never happen because TPTB make way too much money off the insurance-medical-pharmaceutical industry.

1). Health insurance is no longer tied to employment. Return insurance "benefits" to employees as FULL COMPENSATION for work performed.

Each time I was unemployed, I kept my homeowner's, life, auto, motorcycle, and umbrella insurance  because I paid 100% of the premiums. It was only my health insurance that could possibly go to COBRA but only for 18 months if I were willing to pay a shit ton of money for it, or NOTHING. Minimal or no contracts. Don't like your coverage... CHANGE IT when YOU WANT!

2). Remove ALL federal and state mandates and restrictions. This will:

A). Let me buy a policy across state lines from whatever company I want no matter where they are located.

B). No "enrollment period," change your carrier and/or plan WHEN YOU WANT just like I can with all my other insurance and my cell phone plan. 

C). Pay only for the coverage and services we want. At our age we won't be expecting any children, don't have any minor children, have no addictions, WILL NOT PAY FOR BABY MURDER, etc. A catastrophic only plan would work for us right now.

3). No restrictions like In/Out of Network. Have insurance, choose to use it or pay in cash to ANY provider for any service. This will:

A). Put the consumer in charge of prices for healthcare by returning market forces.

B). Force providers to charge REASONABLE fees for service, not the max they think insurance will pay. This is why healthcare costs skyrocket out of sight. Doctors charge more, insurance eventually pays more, then doctors charge more.... lather-rinse-repeat over and over, while we pay higher and higher premiums to cover these payments.

4). There is no reason for government control-regulation-oversight of healthcare or insurance other than normal business regulation and consumer protections.