Your point 1, foreign doctors, already happens. It is called the J-1 visa. Doctors on this visa are required to serve time in an under-served area.. My father is a GP in a rural area, his colleagues are from Pakistan, Nigeria, Uruguay, Argentina and the Caribbean.

Point 3, this is what insurance companies have done since the dawn of the "actuarial sciences."

Point 4, if 24 hour fitness is too expensive, there are YMCA, YWCAs and nice parks in every US city I've ever been in.