My answer is single payer in the long term, and consumer protections in the short term. Sorry you don't trust government; citizens are who decide how government runs. Private insurance isn't accountable to anyone.
Private insurance companies are held accountable by the customer's ability to switch plans.
I understand that billing is an incredibly frustrating issue, but forcing people to participate in one master healthcare system would be devastating to people battling poorly understood diseases. People in this situation desperately need choice in their healthcare options.
Yeah... That's really not how it works here in the US, especially when it comes to healthcare. Corporate interests decide how the government runs healthcare.
Progress is a function of effort, not time. Things do not get better simply because a second hand tics by.
The problem is we can play by the rules all we want, but it's just not effective at all if the guy at the top can blatantly break the law in the public eye and get away with it laughing. We've got an entire party successfully subverting just about everything I was sold in my highschool government classes as a "functioning democracy".