I'm a conservative also.

Stuff that basically everyone needs to deal with should be out of pocket with tranparent ahead-of-time pricing. Doctors and occasional specialists, non-exotic meds, normal chronic conditions, etc. State covers/helps it if you can't (means testing with sliding scale, no cliff). Paying for stuff kinda sucks, but less so than brutal waste pulled out of your paycheck or taxes.

Financially major issues could be covered by private insurance or some government plan.

Vaccines subsidized by feds.

Invincibles aren't such a huge problem that we need to twist the whole system around for people who can pay but don't.

Done.