Second, there are heavy clamps on competition in insurance. Due to state licensing and restrictions on licensing and selling, companies have increased costs on a state by state basis. There also is decreased competition because of this cost, not to mention the extra red tape.
The solutions are basic and will only work slowly. Insurance needs to be severed from employment, the tax breaks inherent in group insurance need to phased out OR passed along to individual consumers. Health Insurance should not cover basic health maintenance. It should be for catastrophic coverage, hospital stays, surgery etc etc. Not for a checkup. If people had to start paying cash for basic procedures, you can bet that cost would be watched more closely. High risk pools that are state regulated could be created but the unfortunate fact is that most people with those conditions cannot afford what their actual cost should be. We do need a solution for that. But I dont think the current law does this in the right way.
There are a number of side avenues as well: HSAs, very basic coverage for younger people, cash only clinics that do very basic health maintenance etc. All of which would be illegal under AHCA. Yet those kinds of things do drive costs down and let people be independent of expensive health insurance if they are already healthy.