Crises have a way of revealing the weak points in critical systems. For the American health insurance system, weaknesses exposed by the COVID-19 crisis include coverage that disappears when people lose their jobs, inadequate provision for pandemic risk, and incomplete coverage of screening and prevention. Ed Dolan and Jeffrey Flier discuss how three reform proposals: 1) Joe Biden’s Democratic healthcare plan; 2) Bruce Westerman’s Republican Fair Care Act; and 3) Niskanen’s nonpartisan Universal Catastrophic Coverage would help address these problems.