Health insurance at its core is very simple. You put money in, you go to doctor, insurance pay doctor. But in the USA, the insurance denies everything they possibly can. Money put in doesn’t ever see a doctor or your health costs, it goes right to the stockholders…
So why doesn’t someone just make a non-profit health insurance company where there’s no stock, no executives, just public servants and aggressive price negotiation where your medical bills are actually paid with the money put in?
There are some alternatives that are usually affiliated with a religion. CHM is one such organization. Members all pay a recurring fee like they do with insurance, and all have access to the pool for their healthcare.
I have never used one so I cant speak to the efficacy, but it seems to answer your question.