If the U.S. Government wants to enact Healthcare Reform I’d be in favor of a system such as this:

Healthcare companies would be immediately banned from any stock market activity. No NYSE, NASDAQ or similar activity. No dividend payouts to investors. No bonuses larger than  $10,00.00 per annum paid to any CEO or executive employee. No ’special commission’ payouts that do not exist under their current pay plan guidelines.

Premium, Co-pays, and any cost to be imposed on any person to be insured must be standardized and cannot exceed a particular sum (o be determined) for any person and/or family. No Healthcare Insurer may deny coverages for ‘pre-existing conditions’ but should such be determined due to the insured having secreted such condition a 20 percent penalty may be imposed with the insured bearing the responsibility for such 20 percent. 

Payouts to hospitals paid on a per-diem basis are to be standardized as are fees paid doctors for services.

Any lawsuits seeking recovery for malpractice from any hospital or physician shall be limited in recovery to an amount equal to actual damages sustained, a treble sum (of actual damages) plus, in cases involving injury that requires life-time care, a sum to be determined by a Board especially established for such purpose.

All U.S. Citizens, regardless of income level shall be required to purchase Healthcare coverage. Employers having more than 20 employees shall provide the cost of Healthcare coverages (up to 80 percent) with the employee contributing a portion.

any person determined bt ICE to be a non-citizen, (Illegal Alien) shall be first billed and failing payment, shall see the nation of Citizenship of the person afforded services billed and any Foreign AID due shall see a deduction of the due sums paid out to the hospital and physician.

Insurance companies providing coverage cannot pay claims in equal value to that paid by MEDICARE, MEDICAID, INDIGENT COVERAGE or any other governmental program.

There would be a lot of accounting work to determine the actual costs of premiums, co-pays, etc, but it would be far less than currently charged for Healthcare coverages.     

There are many things to be addressed to complete this concept but the basics exist herein.