unexpected co-pays, you aren’t nickle and dimed for every script or visit
Again, you’re talking about cost, not which you’d prefer from a service perspective.
I think there are lots of opportunities to make costs lower, such as reducing patent lengths (reduces medication costs) and simplify insurance (reduces admin costs). We should also make changes to liability law so doctors can focus on providing care. Some specific proposals:
patents - reduce to 5-7 years; should cut costs of pharmaceuticals
insurance - simplify and standardize coverage; coverage details and bill processing should be automated
publicly post costs of common procedures, and give expected, average, and maximum costs before any procedure
And so on. And on top of that, expand Medicare/Medicaid a bit with costs phasing in the higher your income goes. I think we should also cap access to Medicare for retirees at a certain income level as well, and remove FICA tax caps.
We should absolutely be discouraging employer sponsored insurance and encouraging longer term insurance plans (e.g. like life insurance, you lock in at a lower rate if you sign up while healthy). Dropping someone from insurance shouldn’t be a thing at all, and the payout for doing so should be much higher than any costs the insurance company would incur by keeping them.