Why does everyone need insurance? Insurance is part of the problem already, it hides costs and lets doctors and hospitals charge outrageous amounts.
What would be wrong with people just paying for what they can afford? Or buying health insurance if they want to? People should learn to take care of themselves, with only short periods of help during someone's life for emergencies.
But I do agree that health costs are outrageous. Insurance propagates this, and hides the costs, but it's certainly not the only cause.
Health costs are also driven up by the purposeful shortage of doctors (AMA keeps the numbers down so they can keep having massive salaries) and by ridiculous lawsuits paying out way too much. Also, requiring doctor visits to get simple non-narcotic meds puts a massive strain on the system. Why should we go to the doctor just to get an antibiotic? Many other countries allow this, why not the US also? Also, allowing more docs to be trained would allow more competition and lower costs. The problem with the medical industry is that it's nothing like a free market in the US.