The solution is to cut out the middleman.
Doctors should be free to contract with people on a retainer basis directly without intermediary insurance, and consumers should be free to choose any firm they wish.
For a set price, you could contract the firm to provide a certain level of service, i.e., priority, level of care provided. You could pay for bare bones level, or for bigger care, depending on what you want to pay for.
You could even finance the fees, pay in monthly installments, etc.
Firms would compete with each other for business, so that would keep prices down. It won’t be tied to employment, so that’s another big plus, it’s just a simple transaction between a producer and a consumer.
That’s the way it should be.
And the exorbitant prices charged by hospital and medical equipment providers, should be reduced drastically.
“Doctors should be free to contract with people...”
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And then those people would have a right to health care to the extent of whatever they contracted for. It would be a contract right, not a natural or unalienable or fundamental right.