The problem here is the price is so high… US regulations strictly limit the amount of new doctors allowed per month. This keeps prices extremely high because supply can never meet demand. The key is to lift all the government restrictions on health care and allow many more practitioners to enter the field.
No one would need health insurance if the prices came down enough. How can we make the prices come down? Remove government restrictions and monopolies that are granted to allow as many entrepreneurs to offer new services in this area as possible.