I agree. It's time for everyone, including the government to understand it. However, there are things that can be done:
1. As you stated, preventative care and healthier lifestyles go a long way to keeping most in good health. When it comes to 'check ups' and regular care-make it 'off insurance.' Docs will have lower costs, not having to have so many people to fill out insurance forms and fighting to have the tests they want or don't ordered/approved. They will also have more time to treat and talk with patients, perhaps picking up signs of some developing problem and heading it off.
2. Drop the dental and eye care coverages. Again paperwork, more importantly it's allowed costs to skyrocket beyond what would have normally occurred.
3. Have what used to be called 'hospitalization insurance', allowing this coverage for all, regardiless of pre-existing conditions. One way or another the sickest are going to get treatment, by having insurance there would be less time wasted waiting for approval, again with the possibility that the earlier the treatment, lower the costs.
4. For those that can't afford the major medical, keep Medicaid or have the state pay for/ subsidize the insurance.
5. Allow newly licensed doctors the opportunity to 'pay off' their school debt by working in clinics in inner cities or rural areas where there are shortages of doctors. Not only would this open up medicine as a career for those that can't afford it, some may well begin their practices in areas that are currently under served.