Health care in the US is the most broken one on this planet (I have been in Hong Kong and China). It is even worse than the communism countries like China. In China at least all the prices are listed before you decide to take the treatment. And the price is the same for everyone. Not to mention it is much lower than in the U.S. (abdomen sonogram is like $30 or less while in the US you can easily get billed $1200).
The ultimate solution IMO would be globalized free market just like the IT industry. If doctors and medical professionals from other countries can come to the US as easy as software engineers, I would expect the cost will go down to a level that we don't even need to be insured.
This is absolutely a reality I am vouching for. Right now the AMA (American Medical Association) actively places roadblock in the way of foreign doctors who want to practice in the US by forcing them through additional testing and years of training. We commonly joke that the purpose of one of our medical exams, Step 2 CS, functions to weed out foreign non-English speaking doctors (there is a whole section of the exam devoted to english proficiency), and for AMA to profit from the exam admission fee.
The ultimate solution IMO would be globalized free market just like the IT industry. If doctors and medical professionals from other countries can come to the US as easy as software engineers, I would expect the cost will go down to a level that we don't even need to be insured.