The major problem is that companies are offering health insurance as a "benefit". That has taken the decision from the workers, and put it into the hands of company HR departments and insurance companies.
The solution is NOT government taking it over, but getting back to the relatively inexpensive care available before it being a company benefit, before HMO's, and insurance companies "covering" hangnail and dandruff problems.
But, this will not happen, as most people are too stupid and venal to realize that getting third parties involved between them and their doctors/hospitals INCREASES their cost, whether direct pay or via "insurance".
The one thing government could do is to require doctors and hospitals to post their prices like a restaurant does with its menus.
No more $800 to a doctor or hospital if he/they bills Medicare, $1200 if he/they bills an insurance company, or billing YOU $1600 if you pay direct.