Insurance for all - by the states

Why has the national healthcare debate ignored one of the most feasible options to insure all Americans? Like federal transportation funds that are provided to states that abide by MPH limits, why not give each state funds based on how many people are provided with health insurance? Let the states decide what type of insurance to offer - my personal favorite is Catastrophic coverage with a $3k deductibe. The cost is about $100 per month for the insured. Above that, they need to cover any health expenses up to $3k out of pocket. But, at the least, these people are now given peace of mind for any expensive treatments or operations.

The feds could cover some portion of that $50 per month with tax credits, or partial reimbursement to the state if it is picking up the cost. Let's keep in mind that the majority of people in this country are not sick, but need emergency care, which is what is driving up healthcare insurance for those of us who have it.

Btw, Judd Gregg proposed a solution similar to this, but it got nowhere.