My thoughts on health insurance:
IMHO there should be a baseline base care policy that is covered by our taxes. 2% or whatever it needs to be to provide everyone with a baseline care. I'm talking emergency room care/life saving care.
On top of that there should be optional plans that you can buy into. Things like vision, dental, random doctor visits, runny nose type crap.
If you want better/faster care then you would have the option to purchase that with additional premiums, things like preferred doctors, private rooms, fancy meals, etc would be covered by this additional cost should you opt for it.
I frankly don't see why this is so complicated.
The real problem is inflated costs, not the complexity of the system. The problem is how do we deal with the fact that the hospitals, pharma companies, doctors, dentists, medical equipment manufacturers etc are used to their absolutely outlandish salaries? The problem is that these people "own" the government. Meaning that their lobbyists control the money flowing into our senators and congressmen's pockets (whether directly or indirectly) which in turn gives them control of the legislation that allows these companies and individuals to keep doing what they are doing.
When I wrecked my bike and tore up my heel I went to the ER and got stitches. That's all. About 1 hour worth of time and 40 stitches.
When I got the bill it was for $20,000. They sent me a non-itemized bill assuming I would just pay it.
I demanded an itemized bill and the things they charges me for were so ridiculous that I couldn't do anything but laugh at it.
1200 dollars for suture material. 1000 dollars for antibiotic cream. 1000 dollars for a stainless tool set. 1500 dollars for a "flush". Etc Etc.
The main problem with our healthcare system is that those sutures can be bought for 15 bucks, the antibiotic creme they tried to charge me 1000 dollars for is a generic and available for 4 dollars at any pharmacy. The "flush" was 5 minutes of a nurses time and 1 gallon of water (FROM THE FUCKING SINK) followed by a sterile rinse.
Yes the insurance companies negotiate that down to 1/2 of what the bill is, but they are still paying 500 bucks for a 4 dollar sample size of creme.