The Norwegian solution-- actually, come to think of it, the rest-of-the-world-outside-the-US solution-- is to break the linkage between health care and employment altogether, thus eliminating the moral hazard, and guaranteeing adequate health care for all.

In terms of the present discussion, it is easier for entrepreneurs to commit to a start-up if there is no fear of losing health-care coverage. That's a big win, if you ask me.