I don't see any reason to fix the system on a nationwide level. Let the individual states figure it out. There's things that the top 5 US states for healthcare have in common, and there's things that the bottom 5 US states have in common [0]. They know how to talk to each other if they want to know more.
[0]https://www.commonwealthfund.org/publications/scorecard/2025...
It's a problem because the nation already ineffectively covers the tail.
The state shall not fix what is not a problem for the state.