Designing Better Health Insurance

I've been thinking of taking a shot at designing a health insurance plan closer to ideal. 

So far:

These are without regard to whether it is provided by Government or through an insurance company or some other organization.

It should be lifetime.

It should probably cover prenatal care and trauma care as preventive care.

If it were non-Government issued insurance this brings up the issue of when to sign up for it. Mothers would have to select into a plan at first sign of pregnancy or Government could subsidize those born with an expensive lifetime condition or who contract one before adulthood.

It should include a death benefit, disability insurance and cover long term care. The death benefit should decrease with age.

It should not pay for small things like MD appointments but should pay for and or require preventive care that has solid evidence of net reduction of disease.

The contract should start at conception or rather when the mother becomes aware that she is pregnant.

For a person/family with median age lifetime income and median lifetime healthcare it should pay for nothing until they get over median lifetime expenditures exceed median lifetime expenditure. Some subsidy of low earners might be needed.

It should do something along the lines of price negotiation for emergency care on behalf of the customer.

If a person goes outside the US for care they should get some of the savings.

If a patient forgoes some care, say at the end of life they should be rewarded like in Singapore.

I will add to this post as I think of more issues.