The US really needs universal health care.
The best approach at the moment at the moment is to work at a large company that’s self-insured. Obviously this isn’t an option for everyone, but at least in my experience at large tech companies, insurance plans with self-insured employers usually have reasonable fees and tend to be less likely to reject claims. My employer is self insured but uses Aetna’s network and billing systems.
Some people don’t want universal health care because they don’t want their taxes going towards other people’s health care. What they seem to fail to understand is that the exact same thing happens with private health insurance, and some of the money goes towards the insurance company’s profits. Universal health care would make things cheaper.