1. Equalize the tax treatment of employer paid and self paid health care expenses--either it's all taxable, or it's all tax free, including FICA. No reason the self-employed or contractor ought to be subsidizing those with employer paid insurance--and yes, this means most Obamacare subsidies need to be repealed, along with the federalization of student loans (which funds the subsidies). This could be done very simply by enlarging the scope of current healthcare spending accounts.
2. Allow preexisting conditions clauses. One of the huge reasons the system is imploding--16 of 23 state exchanges have collapsed--is that people know they don't need to get insurance until they get very sick. Not surprisingly, they don't, and even less surprisingly, this blows up the actuarial tables.
3. Stop forcing the young to subsidize insurance for the old; the natural cost ratio is 5:1 to 8:1 for the old versus the young. Ending the unnatural 3:1 ratio will incentivize health insurance among the young and rescue actuarial tables.
4. Roll back the Obama regulations that add a lot of coverages that many insures do not want or flat out cannot use, starting with mandatory contraceptive coverage. There is something morally horrific about the notion "You have the fun, we bill a nun".
Now I don't believe this is terribly practical--too many people love their goodies--but if we want a system that will cover stage 4 cancers with surgery and chemo instead of with morphine and cyanide, this is what we've got to do.