I think that at least part of the answer is to get government nearly completely out of the picture.  Eliminate the barriers and allow insurance companies to compete across state lines.  For that matter, get rid of social security in it's current form.

Also eliminate it being tied to employers.  Companies shouldn't have to offer a health insurance plan, retirement savings plan, etc. as part of compensation.

Have an easier and better menu of options and incentives for HSA's along with a high deductible catastrophic insurance plan.  Health "insurance" shouldn't pay for routine medical care, checkups or minor visits much like auto insurance doesn't pay for oil changes or a flat tire.

Give better tax incentives to people to save money for health issues that is able to grow tax-free and is able to be given to beneficiaries upon death.  In other words, get rid of the "nanny state" and allow people to do for themselves.

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