First thank you. I did read that article and I had not seen it  before. 

But second, I happen to know folks who sell health insurance. What ties their hands is the High Cost of getting licensed state by individual state. It was what they tried to tell Congress during ACA creation, to no avail. In a open market, businesses compete if they have 'like' businesses around them. It results in normally lower costs for the consumer. Open the competition up across state lines. The more companies competing the better for us. 

Second, address Medical Malpractice lawsuits. That insurance the doctors carry drives up our costs per visit.  Quite often, bogus claims are settled out of court, as it is cheaper than defending the practitioner. Change that by one thing-the losing party pay all court costs, all legal fees. That will give pause to ambulance chasers.