I'm glad you think so. If you really want reform, then it will not make Insurance Companies happy. If you really want reform, you need to start with removing the barriers for insurance companies to compete across state lines. This will increase competition and naturally reduce rates.
If you want reform, start with WHY rates are high. Make a move towards increasing the numbers of doctors and nurses entering school so that we can deal with the nurse and doctor shortage. Doing away with short term nursing relocation contracts will go a long way towards reducing the costs of health care. We are currently short 100,000 nurses nationwide, and that's expected to grow to 500,000 by 2018. That alone raises the price of health care.
The next thing you should address are out of control malpractice suits. This is difficult, but I like the way Britain's process was described to me. Each suit must first pass through a panel of three judges. If it is determined frivolous, it does not pass, and the defendant does not have to pay a dime. As a lawyer, if you bring three frivolous lawsuits within a certain amount of time, then you lose your license to practice law. This allows for multimillion dollar judgments where it is warranted, without subjecting doctors to frivolous lawsuits that they will need to defend against.
These are but a few of the things that could/should be done before you even start doing anything else.