Better and Affordable Healthcare and Insurance

I believe that insurance is a scam and it is not for we the people. You think that you can go to the dr, have a surgery, etc and what is the proposed cost is what you will pay. Instead months and maybe even a year later a new bill comes saying you owe x amount of dollars and you’re required to pay it even though you had already paid the payment you were told it would be and were never told that it would/could be included. The price of medical care is so high in America that even with insurance we are scared to get sick and need a Dr because we know there will be hidden cost on top of what we have already had to pay. Please help find a solution to get medical cost down and insurance coverage better because what we have now is not working.