Not if they want to cure the present mess. Example. I used the insurance from one for the common ordinary run of the mill not too costly occasions. The second insurer and they were known as primary and secondary picked up the slack. When my daughter went to hospital for a serious and expensive med treatment the total bill was ball park $110,000.00. Between The then wife's employment insurance, my retirement insurance and my full time job insurance out of pocket was $400.00. The three shared the cost and I shared the payments each month.

The current system offers zilch because it violated common sense mathematics and actuary statistics and failed to account for human nature. Increased population is one of those. Actuary is an other way of setting the odds. The government has one extra advantage called debt repudiation. They didn't deliver as promised. But if you want to see really high premiums go single payer. That includes my health care for life contractual guarantee for time in the military. $100 a month just for Medicare Part B and D.

As a result I live in FNA and pay everything out of pocket UNTIL a big one hits. Then I go check into the best available hospital and let them worry about collecting.