Health Insurance in New York: What's the solution?

I was reading a question for Hillary, and the question was: Why does New York spend more on government health-care than every other state but still has a larger portion of its population walking around without health insurance than states that spend far less?

He touches on several points:

* New York has guaranteed issue and community rating. This drives up costs so individuals can't afford private health care.

* Community rating requires insurers to charge the same premium to anyone in a given plan, regardless of age, gender or health.

* Guaranteed issue requires insurers to sell a policy to anyone who can pay for it, regardless of health status, and this encourages people to wait until they are sick before they buy insurance.

* 68% of children without insurance in the state eligible for government care, haven't signed up.

It sounds like he answered part of his own question! Those that don't want to spend money on private healthcare in New York, wait until they get sick. That is exactly why New York was trying to raise the SCHIP limit because private healthcare is just so expensive in New York. Should they relax the mandates in New York? Probably so.

Is there a perfect solution? I don't know!