The Hoover Institute’s Defining Ideas often has thoughtful, rational topic pieces, like this great one: The Car Insurance Model, by Scott W. Atlas that discusses Health Insurance. All I can say is read it, it essentially lays out an argument that health insurance state regulated is miss regulated and even monopolistic in many areas and before we try the monstrous over regulation layer on top we should look to insure at the county wide level. The state regulators should be the ombudsmen for the people not the lapdog rent providers of the insurance industry they seem these days. He also advocates high deductible insurance and Health Savings Accounts.

Now he does argue against forcing insurers to insure everyone at the same rate for the same coverage. Here I am a lot less certain, maybe because I am overweight, and no longer young, once smoked, etc. I agree that age and perhaps gender should be factors but the more specific you get the less useful insurance becomes (at the extremes {which a totally unregulated totally privacy devoid world of the near future might enable} the only coverage you could get would be for random acts of god…’so sorry to hear about that lightning bolt hitting you, good thing you’re not a cowboy or golfer, we don’t cover lightning strikes on cowboys or golfers without a special rider from Lloyds.’)

But that’s a niggle, basically the argument is the system as is, is broken but fixable with rational, simple changes, let’s start there before layering in more Regulation and gov’t oversight.