Does your insurance cover a wife and kids? Have any idea how much kids can cost medically? I'm sorry, but the healthcare/insurance industry is not "fixing" itself for the good of the average American.
I don't have a wife and kids, but if I did, the plan can be extended to a spouse by doubling the premium, or to families by tripling it. I do support the idea of states allowing bargaining groups for individuals to have the bargaining power of companies. Healthcare costs are out of control because many consumers no longer care how much their healthcare costs, so long as their co-pay doesn't go up. If consumers start considering price on their healthcare decisions, the market will respond.
Man is apart from the animals of this planet in his ability to feel compassion. The path of civilization is toward overcoming jealousy and selfishness in order to coordinate our efforts and resources for the benefit of all men.