Would it be possible to create a subscription-based health network that was vertically integrated and provided just basic outpatient needs? Charge $9/mo or something ridiculously low and encourage everyone to check their health often and maintain healthy lifestyles?
Use automation to reduce costs. Then gradually increase the scope of care.
That won't help with surgery, cancer, childbirth, etc. right away, but it might create a gravitational shift that puts swaths of expensive general practitioners out of business, creating excess supply and lowering the range of what insurance covers. That might greatly reduce costs.
We have to eat away at this bloated, inaccessible system somehow.