The only reason we need massive insurance programs today is because of government meddling in healthcare. It started with Medicare in which government dictated percentages it would pay for services. Insurance companies followed suit. Therefore, forcing doctors and hospitals to raise prices to make more money from those established percentages. To prove that fact, simply go to a hospital as an uninsured patient and observe how much they deduct from your final bill. Insurance would have had to pay the higher price.
Then, with the intrusion of government came the inevitable paperwork. Lots of it. Today, under the Affordable Care Act doctors and hospitals need full time staffs just to fill out the paperwork. That costs money. Eliminate it.