That does sound like a pretty good idea. Thanks for injecting some substance into the discussion, rather than more rants about Lenin.
One of the better ideas on this, in my opinion is from Sen. Wyden:
http://www.standtallforamerica.com/issue/health_care/
..."For starters, every American will have the power to choose - and will be required to choose - a comprehensive health insurance plan. The plans will be high-quality, at least as good as what Members of Congress have today. Every American will be able to choose from any plan offered in their region; and they can keep their plan even if they change jobs, lose their job, or become too sick to work.Under Wyden's plan, employers would no longer provide health coverage, as they have since World War II. Instead, they'd convert the current cost of coverage into additional salary for employees. Individuals would use this money to buy insurance, which they would be required to have.
Private insurance plans would compete on features and price but would have to offer benefits at least equivalent to the Blue Cross "standard" option. Signing up for insurance would be as easy as ticking off a box on your tax return. In most cases, insurance premiums would be withheld from paychecks, as they are now.
Eliminating employers as an additional payer would encourage consumers to use health care more efficiently. Getting rid of the employer tax deduction, which costs a whopping $200 billion a year, would free up funds to subsidize insurance up to 400 percent of the poverty line, which is $82,000 for a family of four.
The Lewin Group, an independent consulting firm, has estimated that Wyden's plan would reduce overall national spending on health care by $1.5 trillion over the next 10 years and that it would save the government money through great administrative efficiency and competition."...