For the first sentence how about, please God I hope not
As for the 2nd, yea their needs to be a disconnect from the drug companies and doctors. A great movie with Jude Law, "Side Effects" goes into a bit of detail on the whole drug companies paying doctors to push their drugs. But that isn't spiking cost as much as overall health, its the number of people, or events occurring, between you and your own doctor. Every time a decision is made, a piece of paper sent, someone makes a call, negotiating prices, it adds to the cost, which is a lot more than the prescription drug problem.
I recently talked to an adequateness of mine, and his wife was stuck with no insurance, just a crack in the system between retiring and when his insurance picks her up. Well, he just told her to go to the doctor and say she'll pay in cash. She did, and she ended up paying about 50 dollars less for the check up because they didn't have to deal with the insurance companies.
So, overall the best scenario, majority of people need no insurance. Imagine the savings if the government just had critical health insurance, basically covering high end costs, which occur at a fraction of the time. So, you'll save money. Basically any routine should not be covered. This is were doctors get screwed over by the government and insurance companies, their margins for making money are so slim there.
This will free up money for those who really need it, those emergency room trips, surgeries, cancer treatments. We don't need insurance to get our vitals checked once a year. That is absurd.