The solutions is simple. Deregulate the health insurance business. Let insurance companies offer insurance policies of any type and let the market decide which policies are needed and which ones are not. My guess is most consumers would migrate to catastrophic insurance plans with high deductibles, very high lifetime limits if any limits at all and low premiums. Routine doctor visits would be cash only transactions.
The other key is to remove the requirement of hospitals to treat someone who doesn’t have insurance or can’t afford to pay cash. The freeloaders would soon learn they need to buy insurance or be at the mercy of county hospitals or charities.
These two changes would allow the market to optimally set pricing and would thus optimally allocate resources, including investment in cost reducing technology that would lower the cost of health care while maintaining quality.
Your recommendations are part way there.
Unfortunately you leave in place the unregulated monopolies that really drive health care costs — the physicians, who constitute a monopoly-guild which constricts the supply of members artificially, suppress effective competition as “unethical” (just as lawyers and trade-unions do), inveigle state legislatures to ban competition from allied health professionals (e.g. nurse midwives, psychologists), and pharmaceutical and medical device companies which sell their products under explicitly granted monopolies called “patents”.
When the government grants a monopoly for a product which has inelastic demand (like life-saving drugs or medical devices), or creates a guild-monopoly by so regulating a profession that there is no effective competition (even when done in the interest of public health or safety), there is no free market, and the government ought, as is done in the case of utilities, regulate the monopolists rates and fees in the public interest.
Use the Commerce Clause like a chainsaw to end local regulations, zoning and permitting/licensing systems that harm interstate commerce. That’s the purpose and raison d’etre for the Commerce Clause.