I'm not sure why you conclude insurance cannot solve healthcare. Private insurance, where there's a profit motive, may be inappropriate but insurance - as a concept of spreading risk over a large population - seems logical for a generally healthy population with occasional health issues.

The problem with healthcare is it's not a good like others which are insured. Even with price transparency the patient isn't qualified to decide what treatment to get at what price (your doctor is), and often the patient isn't at their best physically or mentally when treatment decisions need to be made.

Comparing the US healthcare cost to other countries is slightly misleading as much of the world free-rides off US pharma research.

If we want affordable insurance we should let people with chronic or debilitating diseases die rather than treat them with expensive medications/procedures that increase cost on us all. But when it's your loved one that's sick it's extremely hard to be this cavalier about the decision to not treat at any cost. I know I couldn't make that call.