The entire thing needs to be blown up and built from scratch. Health insurance should be for coverage against catastrophic events. You know, like it was actually insurance. Have a heart attack, break a leg. You get paid from the group pooling its resources against the unlikely-but-inevitable happenstance.
A free market in goods and services for the rest.
(And true charity for those who need help, of course.)
It should be like car insurance. If I get into a wreck, I get paid from the pooled resources.
If I need new tires, I buy them myself in a free market.
My Mother was just recently saying that exact thing - our health insurance was basically just for hospitalization and she paid the doctor monthly. Of course they didn’t have all the expensive testing back then. On an interesting side note of “things to come” - my sister’s insurance company has a new service where you call in and tell a doctor your symptoms (upper respiratory) and he calls in a prescription without ever having seen you in person.