Be careful about this though. We generally place a higher value on human life than on a dogs life. If the x-ray used on your dog sometimes kills a dog it is not the disaster that it would be if a human was killed. Thus we spend a lot more on quality control for medical devices for humans.
You might not agree, but that is how society see it.
One thing that bugs me is how limited my choices are. I believe that over-regulation drives that. Getting an x-ray for my dog is much, much cheaper than me getting one, which is just one example of an unregulated market (relatively, obviously there are licensing & safety standards)
Seems that this would be a shot. If it doesn't work, lets try something different. I'm not wedded to any solution, but I think we probably agree that healthcare is mostly broken in the US (and was even before Obamacare).
Final note - I don't distinguish between healthcare & insurance for sake of simplicity in this post.