I agree that the government needs to step up to the plate & do something positive
When Clinton tried to address the issue about 10 years ago, the insurance industry created the 'Harry and Louise' TV ads, and did a masterful job of creating fear and misinformation in the American Public. For those couple years the industry was afraid to raise rates and it curtailed costs for awhile.
Now that the industry is not being threatened politically, they have been free to ring up record profits with little end in sight. It is a powerful lobby with unlimited funding and they will never give up easily!