A free market will rise to meet demand. There are billions of cell phones on the market and in use - right now. Nobody had to ration them, and the competition to put them in YOUR hands have made them cheap: cheaper than that black rotary-dial phone was 30 yrs ago.
Here's a four-part plan to make health care affordable. The number one aspect of any such plan is that it must be primary-payor: the user must retain control of the dollars in order to maintain cost-conscience choice.
1. End employer tax breaks for coverage. Employer provided coverage would fall to nothing inside of 3 yrs. Good. You shouldn't be forced to keep a job to keep insurance.
2. Give citizens a 2-fold tax break.
A. - a $5,000/person Health Savings Account (HSA) tax deduction that allows a pool of money to grow tax free for use in health care. Similar to the cafeteria/flex plans many employers use now, but able to "rollover" year to year. When the average person is healthy - in their 20's, this account will build as it's not used much so that, when you're 50-ish, and more prone to chronic problems, you have a relatively big account to pay for care.
B. - Make a catastrophic plan tax deductible as well.
3. Catastrophic Insurance. - Covers only big expenses. Your car insurance doesn't pay for gas and tune-ups, and neither should health INSURANCE. Today's Health Insurance isn't insurance at all; it's pre-paid health care. Make it Insurance: 5k/yr deductible (conveniently the size of your HSA) - when your HSA is depleted, catastrophic coverage kicks in. But. Not before.
4. Gov't pro-rated coverage for anybody in the gap - make it a % of income so that, at about 50k for a family of four, it becomes cheaper to get your own, using the methods above.
That gov't asst would extend to the chronically ill. For example: It's cheaper for society to ensure that a diabetic has access to the right primary care than it is to treat them for non-compliance.
Right now, Geico, State Farm, Farmer's, All State - they all market heavily to YOU for their business. Why is that? They must compete TO you for YOUR dollars. Why doesn't Blue Cross have a gecko hawking health care to you? You don't count; your employer provides your insurance and YOU have no say. THAT could change.
Give people control over their own dollars and watch health care change. With most routine care being paid "out of pocket", there will be competition for those dollars. "Come to OUR ER, and any CT scans will be free!" LOL.
There are better methods than gov't run care. There are even better methods to universality than gov't run care. Gov't run care isn't about being fair - or universal. It's about lobbyists having more of a say in what kind of care you get than YOU do. Money is power and gov't restricted care is about a few in gov't having access to the power that is 1/7th of the economy. AND. NOT. YOU.