[Urbane Guerrilla]

Two words, easily written: Tort Reform. Essentially a limit on how much recovery can actually can be made of punitive damages, rather than concentrating on coverage of actual medical expenses, say.

This lowers the stakes for insurers on the actual risk per policy. Their planning becomes simplified.

There's another necessity: not artificially circumscribing the size of the region in which insurers compete, but opening it nationwide and even wider will improve the scope and effect of competition among companies and plans. You know what that means for consumers. The hedging is by government fiat, a most changeable thing.

You could write a bill like this on one sheet of paper.