(1) It’s expensive (2) Everybody has to pay (3) The government’s gotta run it
There seems to be very little talk about making medical education cheaper and more accessible. Why wouldn't it be cheaper if we had more MDs and nurses? What if we made it easier to become an MD ?
The insurance system is a cartel and they are greedy. However the regulations (upheld by the government) enable it.
I'm not sure there's any realistic way to enhance the availability of specialists. You can't 'stub' your way through providing the care of a skilled gastroenterologist by substitution with a NP, though PAs in specialty care are becoming common.