The problem is that what we do have, we are restricted on negotiation. On the supply side its a bit borked too. I've repeated this a few times, imho what we need are as follows.

Non-profit insurance corporation that anyone can buy policies from. Shift existing medical systems over to the new one. Limit extension patents. Require dual-sourcing for FDA approval. Restrict charging more than 20% price difference between clients for the same medication/procedure. Require fiduciary efforts from insurance carriers in terms of negotiation.

It's a matter of a few legal shifts and some better policies allowing for more competition.