The health care system is fractured because of the insurance companies AND the health care delivery systems.
Set up urgi-care systems in rural and urban areas. Stock them with Physician assistants, Nurses and Doctors who want to work off their expensive education bills. Retired docs are welcome too. They can provide wellness and non-emergency care those of us with health insurance take for granted.
This would drive the costs down. The wait time in the doctor's office and emergency room will be reduced as well.
Everybody wins except for the greedy insurance companies and health care delivery systems.