2/5 The competitive free market for health insurance is not working and may never work without heavy regulation. But one big problem that maybe we can address, is that the end users of the insurance policies are not the ones who select the policies.

People aren't going to pass on a good opportunity just because of their insurance carrier. You're bonkers.

You do realize that insurance companies have dozens and dozens of plan offerings and different levels of service (i.e. denial levels)?

Eh, sending a blanket signal to companies that every insurance option isn't good enough is just gonna tell them that they might as well pick the cheapest one. Plus, a company that's actually interested in improving things would likely follow up that response with "understood, what insurance would have changed your response", to which you should have a good answer if you're gonna do this!