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You want to punish insurance companies? Make them compete.
As Adam Smith observed, whenever two businessmen meet, "the conversation ends in a conspiracy against the public, or in some contrivance to raise prices." That's why we need a third, fourth and 45th competing insurance company that will undercut them by offering better service at a lower price.
Tiny little France and Germany have more competition among health insurers than the U.S. does right now. Amazingly, both of these socialist countries have less state regulation of health insurance than we do, and you can buy health insurance across regional lines -- unlike in the U.S., where a federal law allows states to ban interstate commerce in health insurance.
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