The solution is to make it fewer competing concerns. We need to make employer provided healthcare illegal (go back to pre WWII) and force competition on the open market. We can still have you buy your own with HSA pre-tax dollars. We need to move to reference based pricing. Payors can't charge more than 1.3 * Medicare. This also solves the "out of network" bullshit, it is all the same so just pay. We also need to separate wellness/preventative from "health insurance". The one you know you will and should perform annually and the other is against catastrophe. Unfortunately, today we treat them as the same thing. I don't think a Medicare for all works but I do think it might work if it was for primary care only. Specialty care and Urgent/Emergency care could be handle by private payors.