Liberty and the free market is the way to go.
Insurance companies would wind up offering popular catastrophic insurance for peanuts. Consumers would pay much less because insurance/government/most-bureaucracy would be cut out of the equation. With some tort reform, costs would plummet even further.
Case in point: Doctor's today that have opted out of dealing with any insurance company.
I read a story some time back about a doctor who tried to do the same thing: have his clients pay him a monthly fee & he took care of them. The gov’t went after him for running an illegal insurance plan (I’ve forgotten what they actually called it). Anyway, he was prohibited from continuing because he wasn’t a licensed insurance company. These hospitals should proceed with care. (No pun intended.)
YES...I forgot “tort reform” on my “wish list”...
Insurance was never meant to provide free medical care and medicine! Insurance was suppose to be for if something catastrophic” happened.
I have no idea how that notion was somehow lost.