How about we allow anyone to enroll into medicaid and medicare at cost? No preexisting conditions, the poor would still be covered? This would give a guaranteed low cost solution to anyone who needed or wanted it. It would lower medicaid and medicare costs through higher enrollment. This idea is not new, take the example of United States Postal Service (USPS). No one can deliver a letter for $.50 except for the USPS. So some who still are not happy go to UPS or Fedex. The fact is the USPS is fair competition and keeps prices low. Hence why even Amazon uses the USPS. Lets make insurance as accessible, affordable and dependable as the Post Office or at least use medicaid and medicare to disrupt the market and keep costs down through fair competition.