What you say is true. Getting health insurance these days can be a nightmare for our kids.
But you don't solve the problem by piling more and more bureaucratic layers on top of it. That road was taken by Canada and Europe, and it is destroying their economies and medical systems.
One reason why healthcare is so expensive is that the lawyers and insurers are getting more and more of the money and the doctors less and less. Paperwork is crushing, too. Where a small group practice used to have one secretary, they now have to hire five, just to fill out all the required forms.
Hillarycare failed, but clinton managed to pile a number of reforms on anyway. It's noticeable that costs have skyrocketed ever since, and a lot of huge insurance buildings were built with the proceeds.