Here’s the best suggestion — get government out of health care. There. Simple enough.
95% of all healthcare can be self-funded by most people without too much difficulty and a bit of education. Anything that is short of a broken limb can be treated at home with a bit of knowhow.
You can probably treat injuries, like broken limbs out of pocket. It’s only end-of-life type illnesses that you need healthcare for.
Insurance isn’t healthcare. If you insure your car to cover gas fill ups and oil changes your insurance will be higher and the people doing the service will charge more for the service they provide.
An example: I have had sinus problems all my life. My family doc finally admitted he has done all he can for me and sent me to an ENT specialist. This doctor spend about 5 minutes with me in his office and the total bill per the insurance EOB was almost $1000. About half of that was for “in-office surgery” that in reality was the doctor running a borescope up my nose. Insurance paid like $150.00 total and all I owed was my co-pay. The rest went poof - probably listed on a spreadsheet somewhere and used to launder someone’s bribe. This is akin to dead voters on the voter rolls - corruption waiting to happen.
In other words, we got old.
“Insurance should protect people from catastrophic expenses—not function as a pre-paid medical subscription for every routine or shoppable service.”
This 100%.
Oddly, many people would rather pay it than live a healthy lifestyle.