🔅 repeal individual and employer mandates
🔅 allow ins companies to sell across state lines and w/o EHB regulations - but they must offer at least one Comprehensive option that is affordable
🔅 anyone eligible for subsidy auto enrolled in catastrophic plan (non-Ocare)
🔅. Ppl not enrolled in Ocare EHB plan for over 6 months, can be charged market rate for 10 years if they want to later buy comprehensive plan
The first item restores "liberty" of not forcing people to buy a product.
The second allows individuals to buy whatever policies they want that companies will offer.
The third raises revenue for the system to replace the mandates and stabilize the system that allows everyone to be covered even with pre-existing conditions.
It's important to have a stiff penalty for people who choose not to have insurance for significant time and then later want coverage. Of courses there'd be hardship waivers where it made sense.
The end result would lower premiums for everybody, and increase accesss for millions.