This might not be the forum, but I think this is an interesting idea that has not received any discussion.
I know a lot of people want single payer health care. This idea is not intended to demote that idea. However, if our government decides that single payer is not the way to go, we somehow have to make the insurance system work. This idea addresses that. Please don't vote against it just because you'd prefer to see single payer!
We are all concerned about the cost of health care. To insure a family can easily cost upwards of $10,000-20,000 per year.
I believe that one of the reasons health insurance is so expensive is because some people cost the system a whole lot of money. Cancer, heart transplant, HIV, etc. So the cost of those really expensive cases has to be built into everyone's insurance.
After 9/11 the government introduced terrorism insurance. The idea with this insurance was that after a certain cost threshold and for particular events, the government would cover a big % of the insurance claims, and the insurer would cover just a portion (90%/10%, I believe).
Why not do the same for health insurance. Have a program where, if a single individual costs more than $X in a single year, the insurance company can get the government involved and ultimately the government would cover a big part of the cost.
Many big news reports (and movies) are about insurance companies refusing expensive treatments to really sick people. For the insurance company that is a huge amount of money that can be saved with a single "No." If only a part of that were their money, they could pay more attention to the benefit and less to the cost.
Example: once an individual costs $100k over any 12mo period, the government could be on the hook for 80% of the additional cost. Of couse there would probably be case managers, etc, but those controls would be a separate detail.