Agreed this needs done asap. Benefits hold unsatisfied workers captive, get rid of this bandaid -- and maybe we can afford Medicare for all.

One other option -- make Hospitals be both insurer/provider. They get recurring monthly income, they'd pay 'other' providers when you're travelling out of network, but they'd be more able to bring down costs, the government should set limits though on surgeries and their needs to be more transparency in pricing.

You'd subscribe to your local hospital and pay a % of your income to the hospital they'd take everyone regardless of income level.