Healthcare: You Want Ideas?

Why not make a rule that says, each insurance co. must offer the same plans, for the same premiums, to everyone?

Why should your access to healthcare depend on, e.g., whether you happen to work for a large corporation? How does it benefit society to allow insurance companies to just screw all the people who don't have the smarts or the leverage or the whatever to negotiate a better deal – e.g., free-lancers, or people working three part-time jobs to make ends meet, or children?

Do we really think healthcare should be a perq, like a company car, that people get only if they land the right job?

There are lots of reasons why an insurance company might want to charge one person more than another; and as a society, we might or might not decide to legitimate some of those reasons (e.g., whether or not you smoke). But why shouldn't we have more say as to which bases for charging higher premiums are appropriate?