There is a Christian health care co-op I have used for 10 years. It's called Samaritan Ministries. In exchange for not smoking, not abusing alcohol, not having sex outside marriage, attending weekly church, members are afforded outstanding coverage on all issues for a nominal cost. We had a family plan with Samaritan Ministries for a cost of $450 a month. That same plan is now $650. It covers most everything. It does not cover exams or pre-existing conditions. The great thing about Samaritian is there is no big pile of money to be stolen or misused. Members are assigned and you pay them directly each month. If you have a need, members pay you each month. I used it for major knee surgery. I didn't pay a dime.
If there are things members are not covered for, Samaritan puts it out there for people to send donations.
This is the model that works. Everybody loves it. You won't find negative reviews. It's all private. Government need not be involved. But government will never adopt it. You know why? It REMOVES government from the equation. It takes away politicians' power and influence.