They need to just completely open the market up. It's bullshit that company A can provide insurance in KC but not in Western KC, or Eastern CO. Any insurance co should be able to sell any package anywhere.
No one in washington has any interest in making insurance any better or less expensive.
Open markets do wonders for a lot of things. Sadly, it would create a race to the bottom among states in the health care industry.
Health care should be single payer for multiple reasons, starting with the fact that it would be cheaper for everyone.
The real problem with health care is that often when you need it, there is no open market. If you're in an accident, you're going to the nearest hospital where the staff will order all kinds of tests and treatment ... all the while you're bleeding in the OR not really worried about whether you're getting the best deal on that X-Ray or if the Tylenol after surgery is going to cost you $30/pill.
Also, there is zero transparency from hospitals/doctors offices making it damn near impossible to comparison shop for elective procedures.