To stop insurance companies from finding loopholes to drive people into poverty, let's get rid of them and set up a single-player scheme.

I wonder why anyone gets medical coverage through Anthem? I suspect that mostly they don't have a choice — that mostly companies choose Anthem for their employees. Under that system, Anthem has no incentive to do a good job for its non-customers.

Right now, we have a government agency that makes regulations for insurance companies, which seek clever ways to shaft people through loopholes in those regulations. Having the government agency set the rules directly will give us more accountability over the rules.