A useful addendum to current efforts: Tie premiums to procedural cost

There is one improvement to the current legislation that would make a big difference in how cost effective the reforms will turn out:

Tax all revenue above some reasonable limit, say 5%, of the cost of all procedures that are paid for. Even better, instead of taxing, require premiums by regulation to be no higher than 5% overhead over the averaged total cost of the procedures that the company pays in aggregate. No kickbacks to health care providers allowed. This would help cut into the 30% or more overhead that is apparently now in place.

Of course, this assumes that a bill includes language barring no one from receiving health insurance. And requires a bill in which health care risk for an individual is not allowed to be considered in pricing a policy (which is already true today in many states for group policies)

That will cut costs and chase some inefficient (greedy) for-profit insurers from the business.

procedures vary a lot between providers. Where they're located, what new equipment they buyHow many people they employ. Wether they do the various tests in house or send it out.

calculated, which is with an area prevailing average of same specialty/same area practitioners