Okay. My answer, and it probably won't be well liked.
The whole system is broken. Medical care is too expensive. This is due to a variety of factors, but I have some suggestions. One, we need sound money. Inflation caused by the Federal Reserve causes prices to go up. Two, malpractice insurance is too expensive. Three, drugs are too expensive due to over-regulation.
As far as health insurance being so expensive, people are using health insurance to pay for every little thing. It would be like auto insurance that pays for oil changes and adding gas to the tank. Catastrophic insurance (for, say, you get in an accident, or discover you have cancer, or some other chronic illness etc) with a high deductible should be the way to go. You should be able to buy it across state lines. It can be reasonably priced. For your routine care, pay cash.
Those who can not afford this basic level of care should get help from churches, charities, and their local community.
I should not be required to provide money to pay for other people's healthcare.