How about lowering costs anyway? I assure you, there are real and meaningful ways. Start by removing anticompetitive Certificate of Need laws, at the state level.
Some of the solutions are really easy but it’s hard to get done when some politicians are paid off, some want the system to fail so they can do single payer, and some are vehemently anti regulation.
Something more drastic would be making all health insurance plans be high deductible (as in, make it insurance again), and ensure that prices are up front and transparent. You’d see prices plummet relatively quickly.
TL;DR: If you actually care about this issue, you shouldn’t be offering vague platitudes blaming it on “government”. You should advocate for your preferred solution and name the politicians/party you think we should vote for to get it passed. I know this is political and not loved on HN, but this is how the system works.