Everyone wants to resolve the complicated health care problem with more complication, which all adds to the cost.
Can you remember when health care wasn't a problem? It was before the mid-1980's when HMO's came into existence. Before that we had Major Medical Insurance. Insurance was only used for unexpected high costs: an operation, and accident, a long-term illness. We had a deductable for $1,000 or so, and paid out of pocket for all medical costs up to that $1k. Most people went years, or a life time, without ever using their insurance. It was there for emergencies - just like car insurance. If we returned to Maj/Med fair market prices would decrease all medical costs, insurance would be more like $500/yr than $5,000/yr.