The phrase "technical solutions to social problems" comes to mind. Read Kenneth Arrow's 1963 paper Uncertainty and the Welfare Economics of Medical Care to understand why health care is a market good, and private sector solutions are not up to the task of providing adequate health care to all.

The solution is for the government to provide health care to all. You are trying to fix things it is only within the government's power to fix -- and the political will is not actually there to fix them because leaving things broken makes vastly more money for all involved.

If you want adequate health care at a reasonable price, emigrate from the USA and live elsewhere.