The dumb thing is we had the problem largely solved. The dumber thing is most every country in the developed world doesn't deal with this stuff. The solutions aren't even hard, they just make the 'boomers cry.
1) Raise taxes on the wealthy.
2) Open Medicare to everyone.
I own a business. I pay out more in salary every month than Cierra makes in a year. IN A YEAR. Tomorrow I'm going to go pick up my car and drop two or three of Cierra's monthly wages on a car repair bill. But if Cierra were to attempt to buy health insurance she'd pay more than me on the open market - after all, she's a woman of prime childbearing age with two pre-existing conditions (diabetes & obesity) while I'm a man in my prime.
Hold the phone though. I qualify for benefits through my union (which makes me a fuckin' unicorn - I'm one of the 6.4% in a private sector union and of that 6.4%, probably one in five that qualifies for benefits). So I pay - wait for it - fifty bucks a month for my family of three. Cierra, meanwhile:
That $400/mo "bronze" coverage? Probably has about an eight thousand dollar deductible. So. If Cierra wants to protect herself against the ravages of diabetes she can spend a hundred dollars a week on insurance that covers sixty percent of her expenses after she's spent eight grand. And no, the premiums do not count towards the deductible. Cierra, who makes $20k a year, is required by American capitalism to spend $13k a year on medical expenses before her plan covers anything.
Of course, if Cierra were actually poor - $12k a year, not $20k - she's suddenly on Medicaid and shit becomes free.
The system has literally twisted itself in knots to the point where should Cierra get sick, her best move is to stop working at McDonald's. She's actually ahead in this one - her other job is at a hospital! Cierra, under any sort of medical issue, does better by not working. And things are so dumb that were Cierra to wind up at the emergency room, the social workers would have to counsel her through the Red Pill adventure of "honey, it's time to get poor" because if she drops at work because her blood sugar sucks? And she gets an ambulance ride to the ER? She'll be looking at a $40,000 bill.
...which will magically go away the minute she drops below the poverty line.
This stuff isn't ACTUALLY hard. We just need the people of the United States to be grabbed by the lapels and shaken and asked
"is this what you really want?"