I had a thought recently that could maybe make health insurance a little more fair here in the US. If we required the people who approve or deny claims at health insurance agencies to carry malpractice insurance and allowed them to be sued for medical malpractice when their claim denial led to adverse health outcomes, we could (maybe) make them think twice about denying claims.

Obviously trying to help people isn't a functional incentive for them, but maybe not getting sued would work.