Possibly; I'm not at all an expert on the subject. My goal more directly with that was to ensure that insurance premiums would ultimately be used only to pay for emergency care rather than routine/preventive or elective care. Someone with deeper subject matter knowledge might be able to tweak or flesh it out to better achieve the intended purpose.

If I understand your last point, I really like this approach in the context of my proposal: https://www.rubio.senate.gov/public/index.cfm/2021/3/rubio-s...