The most pressing problem facing American patients is affordability. The good news is that Congress is weighing several reforms that could finally combat many of the contributing factors to sky-high health care costs.

Health insurers' current prior authorization process is needlessly complex, leading to delays, ineffective initial treatments, and hospitalizations. The Trump administration's recently-struck deal to streamline the process is long overdue.

How can we reduce the cost of coverage without increasing taxpayer spending on premium subsidies? Through greater access to lower-premium catastrophic coverage.