Why not abolish employer-provided health insurance?
Car insurance in the United States is a system that more or less works well. You call up insurance agents representing different insurance companies with similar policies but varying quality of service. Then you buy it based on how much insurance premium they charge and how good/bad quality of service you are willing to accept. If you have an expensive car or you are a reckless driver, you end up paying more. The less you use your insurance, the lower your premium becomes over time.