That is to say, could someone start a not-for-profit health insurance company that offers excellent coverage for affordable rates, and build it from the ground up with a culture of clarity and transparency? At a bare minimum they should have a searchable database where you can type in "broken arm" and find out what price this company has negotiated for casts, x-rays, and doctor time, and what it will cost you in co-pay.
It seems like insurance companies are so universally bad and corrupt that there would be no trouble signing up a critical mass of users by simply being a little better than the norm, and once it's the biggest insurance provider in the US, start applying muscle to hospital administration.
Yes, I know I'm oversimplifying it. Can anyone think of a way that it might be possible, though?