Austin Frakt and Amitabh Chandra propose a common-sense idea at the New York Times: That insurers be able to offer a moveable feast of benefits. How to ensure that people won't just buy skinny plans when they are healthy and rich plans when they are sick? Open enrollment.
This is a feature of Obamacare, but it is inferior to health-status insurance. Read the entire column at NCPA's Health Policy Blog or The Independent Institute's Beacon blog.