There is basically no way to make progress here, as far as I can see. If the insurance companies weren't running open-loop before, they certainly are now.
Stop having employer provided insurance and make health insurance like buying car insurance ("free market") or do single payer ("communism"). The current status quo of insurance cartels is terrible for everyone involved--employers/employees get fleeced, providers get stiffed, and America gets more unhealthy.
There are plenty of good healthcare systems, and they can be identified by looking at other countries and copying what works. That's not the problem. The problem is how to get there.