I think a robust savings plan and high deductible policies is the way to go. In effect you will be self insuring for a portion of your own medical care.
By the time a person is thirty and well established, they may be able to cover a $20,000 dollar deductible. That saves a whomping amount of insurance premiums. It will in short time cover your established deductible.
I support this in a plan I’m developing that covers health, cars, and homeowners. It also incorporates a private retirement plan into it.
I think there’s a way a person can start saving, avoid insurance costs, and purchase a home while still retiring very comfortably by 50-55.
Speaking solely for myself, I want insurance for when things go sideways. Kid breaks his arm and needs emergency surgery, and so on. I don't CARE about the nickels and dimes - kid has a sore throat and needs a prescription, or I need a yearly physical. That's "routine maintenance", and I wouldn't expect my insurance company to cover it, any more than I'd expect GEICO to cover fillups and oil changes.
Perhaps that is the very reason why I can get an oil change for $19.95 and can't get out of an emergency room for under $500 ... insurance companies pick up the tab for one, but not the other. But I digress....
But - politicians have gotten involved and mandated coverage. For instance, I'm covered for drug addiction treatment (not gonna be a problem), mental health evals and treatment (ditto), and treatments for both erectile dysfunction AND pregnancy (don't even know what to say, here). What's worse is that I'm paying for everyone else to have these things, too.
I think that shopping for insurance across state lines - much like auto insurance - would help drive costs down. Perhaps an a la carte plan - "There's a family history of breast cancer, let me up that part of my coverage just in case." Would take the do-good politicians out of the loop, at the least, and would let me buy health insurance that I actually might need.