PROHIBIT all companies from offering insurance as a "benefit". No "sweetheart" deals with insurance companies and HMOs. NO GROUP INSURANCE. NO HMOs. The "third partying" of insurance is what has created the monster we now deal with.
Prohibit hospitals, doctors and dentists from charging differently for the same service, based on whether a patient has insurance or not.
Companies could pay their employees more, and everyone would be on an equal footing. And you will see a reduction in costs and improvements in service without the kickbacks companies get.