1. Tort reform

2. Medical Savings Accounts
this serves 4 purposes, first of all it gives an incentive to not frivolously go to the doctor for minor stuff, for instance, currently doctors are over prescribing antibiotics for viruses which both waste money and break down the immune system.
Secondly, it acts as a potential bonus retirement fund, unused money comes back tax free.
Thirdly, It fully covers catastrophic conditions which is what insurance is really meant for, not every day stuff.
And lastly, it would bring down the cost of doctor visits because it would promote people to shop around for the best value, (free market).

3. and one of the most important things, any one that doesn't have documentation of legal residency gets whatever medical service they need, the bill gets sent to their legal country of citizenship and to make sure that their government pays, the money is decucted from the aid that we give them, this solves more than one problem, first it covers 12-20 million of the 45 million uncovered, it would lessen the immigration problem as governments would no longer encourage their people to come here, and it would bring down cost that every one of us have to absorb.

This isn't the total fix but I'll bet this would get us most of the way there