Just like we have laws regulating 'truth in advertising' and 'truth in lending' along with 'truth in our food products', why don't we have the same thing with insurance policies?
Imagine a graphic similar to a food labeling detailing the standardized characteristics of insurance. Preventive Care, Maternity Care, Prescription Drugs, Catastrophic Events, etc. They could all be listed uniformly and with information regarding that characteristic.
That way when a person compares insurance policies, they can more easily compare apples to apples!