"Insurance" can't solve the issue of sky-high healthcare costs. In fact, the closest thing to a quick solution (a real solution would require draining the swamp altogether, by reforming the entire healthcare sector essentially from the ground up) is its very opposite, namely price transparency, with the end-user paying directly for their health care. This doesn't mean doing away with insurance entirely, but it will have to be catastrophic insurance, the main purpose of which will be dealing with truly rare health conditions/medical emergencies, albeit with a sub-component of subsidizing cheap preventive care.