Why is everyone pushing universal healthcare? Have any of you talked with anyone from a country that provides universal healthcare? Everyone I have ever talked to says it sucks. You are either waiting in line to get to the doctor or you are waiting six months to get treated.
The only way to make insurance affordable to to make it cost money. This will stop people with the sniffles from going to the doctor all the time. Get a health savings plan and a high deductible insurance policy. Pay cash, negotiate with the doctor over costs to get the price down and have the high deductible to pay when there is a high cost issue (Transplant, bypass, etc.).
In turn, keep the physicians code that if you can't pay, they have to trear you anyways.
To do nothing is to be nothing.