Proper public healthcare and free enterprise are incompatible for exactly this reason. It is more profitable to treat patients than to cure them. Single payer National Health Insurance and National Health Care are the only answer. It will not happen until the public is educated enough to understand this.
The only way you will create incentive for every household to get and pay for private health insurance is to deny health services if you can’t pay. That will not happen. Doctors are bound to their Oath and those unable to pay will flood emergency rooms. This is why costs are so high....because the cost of free care is absorbed by other paying patients.
May other countries have successfully created health care systems that work. We are still working on it . It will not change for a long time in America, if ever. Until then, get good insurance and a good doc.