- Increase HSA Contribution Limit

- Allow both Traditional & High Deductible insurance premiums to be paid with the HSA

- Ban employers from directly providing/choosing insurance (ex. US Military)

Essentially everyone goes out onto the open market and buys their insurance using pre-tax HSA contributions (similar to tax benefits to employers now). Employers can continue to "help" be providing dollars to HSA/HSA match, rather than picking your insurance for you.

There are more radical and arguably better solutions, but if you want to see a large improvement with minimal changes/the least controversy this is it. Most insurance companies could likely just convert existing employer provided policies into employee direct ones paid via HSA.