A choice is when I have insurance and refuse chemo because the side effects outweigh the benefits.
I am not talking about socialism. I am talking that we should treat the healthcare system the same way that we treat power plants and energy distribution utilities. A system of grants and loans that ensures long term supply of goods. So you pay your bills each month but the government takes care of you not being price gouged (except in California)
In the US (disclaimer - most I know for the healthcare is from the media, non US citizen) a good starting point will be forfeiting and subsidizing medical education so the graduates will be loan free. Also the government should not leave R&D to the private sector but create human health Manhattan project - this will have the benefits of everything that comes out of it entering public domain so no royalties patents and other shit to take care of.
A good healthcare system should be like interstate etc. It is there it is low margin but enables the society to move faster towards the future.