One of the major causes of high-cost and low-quality healthcare is our “health insurance” system. It’s in quotes because it’s not insurance in the usual definition of that term.
Insurance is typically designed and intended to handle unusual / catastrophic events. It’s not a good mechanism for routine services.
Imagine paying for car service like you do healthcare. You would pay a high monthly fee for the privilege of oil changes whenever you wanted and a transmission repair in the unlikely chance yours fails. Because oil changes are “free” you decide to get one every week just in case. The quality of the oil change is poor but you accept it because it seems “free”.
The economic problem here is the “third party payor effect”. Because you are not directly paying for the service you are consuming (the “insurance” company is laundering it) you have no incentive to be price-conscious and to a lesser degree quality conscious.
The proposal here is to restrict health insurance to truly catastrophic events. Anything less than that should be paid for in cash directly by the consumer.
Healthcare costs will drop dramatically and quality will improve. Instead of subsidized insurance, when needed, subsidize people’s ability to pay for health services directly.