That's what I'm actually proposing. Instead of health care plans and Medicare/Medicaid, have employers divert to tax-sheltered HSAs that employees cannot withdraw from. It has the same effect as what they've got right now (money they can't touch, such as health insurance plans they don't pick and Medicare deductions that are automatically removed from their check), except that the money grows over time, and overall health care costs can be substantially cut thanks to no longer having to deal with insurance companies (no need for coders, medical billers (software and a high school graduate can handle simple billing that doesn't involve codes), no more insurance companies taking a slice of every health care dollar that comes their way in profit.
So what happens to all that money when you die? Simple- It gets taxed, and the remainder (if any) is given to your loved ones like any other asset. The tax money goes into a pool to pay for those whose accounts run completely dry and are under duress (disabled and the like, cancer patients, dialysis patients, etc). I mean, this is clearly some out-of-the-box, never going to happen sort of system. I'm just trying to point out that there are other ways we could do things that wouldn't involve the government being heavily involved or insurance dictating what we do. It's more a thought exercise than anything, but who knows, maybe if we all brainstorm enough one day somebody will come up with a great idea that is viable and can change healthcare.