It is amazingly simple, for people to afford health care, and for it to have lower cost and greater availability, people who now make a ton of money will have to make LESS. That means insurance companies, salesmen, advertisers , executives. I really don't expect a lot of progress until further technology advances in medicine occur that make diagnosis and treatment faster and cheaper. As an aside. the bulk of this issue will settle itself within the next 20-25 years as my generation has a massive die off and the median age drops dramatically. The other philosophical shift that needs to occur is that people have to face the fact you ARE going to die , dude, get over it. Just make sure you have lived before you do.