Disclaimer: I'm a conservative.
Get rid of the entire thing. Provide nationalized healthcare (not nationalized insurance...2 totally different things). Have a minimal deductible (or a % for certain things) associated with the healthcare (I feel some deductible is necessary to prevent clogging of the system from people going in when they really don't need to). Insurance companies will most definitely still exist. They will certainly be smaller, but they will exist to cover many of the things not covered by the nationalized healthcare.
Also associated with the nationalized healthcare needs to be some sort of regulation on pricing. I realize this will be the hard part, but we can't have companies charging our government 50 dollars for a band aid provided in the emergency room. I have an incredibly hard time believing a system like this will cost our government more than we are already spending. Many countries with nationalized healthcare are spending massively less than the US as it is. What I am saying is that a system like this should not require any additional taxes to be assessed. None. So if it ever does get up, and they insist they need to make a new tax for it, they are full of crap. They don't. Let me make that clear, a system like above, that would make everything so much simpler, and everybody so much happier, does not need more taxes.
Money can't buy happiness. Just video games, which make me happy.
