I have wondered why Congress doesn't pass a law that states that EVERY health insurance company MUST offer a very specific plan we will call the ABC Plan. It is a standard plan that provides basic coverage.There could also be an ABC GOLD Plan...ABC SILVER Plan...etc. You get the idea, with expanded coverages. But the key is that the insurance companies, along with any other policies they offer, MUST offer these PRECISE plans--no bells or whistles added. This allows people to make choices based on an apples-to-apples comparison. No more of trying to figure out if this or that plan, which offers a slightly different deductible or co-pay is a better plan than this other one. No, these plans are IDENTICAL, cannot be enhanced or added to (e.g., AND, if you choose this plan, we will....). It's just the plan...and the price. It is a commodity, so to speak.Insurance companies, able to cross all state lines, would offer these plans (again, along with other health plans they want to offer). This would promote try competition. No one could be denied these plans. Pre-existing, fine...but there might be a limit on the total outlays for the plan and perhaps a percentage deductible for certain treatments. Tax credits could be offered to the people who buy these plans. Also, tax credits for the health insurance companies to help cover the cost of the pre-existing conditions, etc.Experimental drugs could be provided for those who have certain terminal-type diseases, so long as they agree to not sue if it doesn't work or has other negative effects. Newborns would be issued a Health Bond worth, say, $300,000, payable on the 99th year, and at X percentage. These bonds could be traded on a GOVERNMENT EXCHANGE--which would receive a fee for every trade. This bond could be used to fund healthcare for the child for life, as well as create income for the government, as well as create income for the health care companies that trade the bond on the exchange for a profit, to cut losses, etc.There should be ONE bill that comes to a person. Not a bill from this doctor, that doctor, and another doctor, etc. The doctors would turn in their bills to the health insurance company which would bill the customer for any amount they owed over insurance coverage.Also, EVERY doctor must accept these insurance plans, and cannot exclude a patient because he/she has this type of insurance. There would also be limits (taking into consideration the region, cost of living, etc.) on, say, the Top 50 procedures that is fair to doctors and the customer.