As to OP, the simplest solution is to move out of the US early enough or become “poor” enough and be in a wealthy blue state by the time you get to this predicament.
I believe it is the largest industry by employment in every single state now.
That compounds the problem even further. Really fixing it would put a double digit percentage of people out of work. I'm all for it, but I can see why politicians are hesitant.
If we fix healthcare costs we can spend more on hospitals. With more hospitals means more jobs and more competitive care costs.
In addition, a lot of those insurance jobs are facing pressure from "AI".