I looked at the present proposal of Obamacare Lite and found it sadly wanting. The basic problem is that it attempts to continue the practice of mixing “health insurance” with “medical welfare”. Those two must be kept separate, even in your thinking about them, or the result will fail.
Since you seem to be having some difficulty crafting such a plan, I thought I might do it for you. Here is a simple, clean, and very functional Health Care Act of 2017:
1) The Affordable Healthcare Act (Obamacare) is repealed in total.
2) Each medical facility shall charge all their clients the same rate for the same service or product in any given year. Rates will be published at the start of each year on January 1.
3) Any people who file on a common tax return may choose to be on the same medical insurance policy, including dependents of any age.
4) Any pre-existing condition must be covered under medical insurance if there has been coverage in existence prior to any new policy, or commencing 1 year after the new policy is in force if the applicant is uninsured.
5) Health insurance may be sold in any State by any Health Insurance Company provided it conforms with the State laws of the respective States.
6) Any family unit (filing on the same tax return) who has medical expenses (exclusive of expenses paid by insurance providers) exceeding 1/3 of their Gross Income shall have those excess expenses paid from the General Revenue Fund. Implementation via Medicaid, Medicare, or other similar agency as the Executive Branch shall establish. 100% of all medical expenses paid shall be a tax deduction.
7) All provisions of this act shall take effect starting on Jan 1, 2018.