1. Tax benefits that exceed Major Medical Coverage
2. Modify the HSA program to allow that which exceeds the deductible of the major medical plan rolls over into a retirement savings account (IRA, Roth IRA, or even a 401K)
3. Allow people to change plans by not allowing preexisting conditions to be excluded if coverage gaps do not exceed 3 months in the past 12.
4. Limit liability to a formula based on an individuals income/net worth.