This is the solution to affordable healthcare:
Dump the ACA
Let insurance companies underwrite insureds, this will drop all premiums and provide richer benefits since the carriers do not have to take on bad business.
Remove the open enrollment clause. People should be able to take a health plan anytime they want. If their doctor falls off the insurance companies provider list they can then switch to another plan that carries their providers without delay.
Have each state set up a guaranteed issue health plan for the uninsurables attached to a national provider list at a flat rate
Those that can’t afford the state plan can apply for their state Medicaid coverage.