- Drivers should get the extra funds for medical insurance. California has Medicare and Medicaid, it just needs funds.

- Uber and Lyft don't want to employ people because of fixed vs non-fixed hours, etc. Full time employees at 40 hours per week get medical insurance, so gig-work (like Uber/Lyft) should probably pay partial amounts for medical insurance based on hours worked (i.e. roughly calculated at driving time for Uber or Lyft).

- California (through Medicare/Medicaid) sets a "medical insurance target", e.g. $200 per week, and a HSA for all gig-workers. If a driver drives 4 hours a week (40 / 4 = 10%), Lyft has to contribute $20 (10% of $200) to the HSA for that driver.

- The driver can either withdraw the money from HSA as income, or use the money tax-free to pay Medicare to continue coverage. If the driver only drove 20 hours per week on average, i.e. the HSA didn't have enough funds, the driver would pay the difference out-of-pocket. Ideally, drivers would drive 40 hours per week between Lyft, Uber, etc, and get full medical coverage.