There is a lot of  federal and state programs already that assist in paying medical care and have been. Then number of Americans now getting the ACA and medicaide expansion are a drop in the bucket compared to the once existing system.  The private sector generally splits the monthly insurance premium between the employer and employee. The employer takes their half they kick in and tack it on their costs of goods and services of their company and their consumers pay it.  I think you are the one with the growing disconnect of how much not only the feds, states and other people pay for our health care.  I will note having been in the business over 40 years to see the great rise of modern technology in health care that when one is really sick they want it "all" to get well. You can ask me how I think the health care system could be more "efficient". The best I can do is give my friends advice on how to wind through the system, get good care and maybe pay less.