You seem to assume that if government doesn't act, no one will. I know that to be false: I've seen churches and communities step up to provide care for those who can't afford healthcare. You crave the certainty of government promise, of course, but in reality there is nothing behind that promise but the good will of the majority, and that is the same thing that backs every communal act of charity.
I think you misunderstood me when I said that health insurance is overused. I do not refer to the frequency of medical care at all, rather, to the frequency with which health insurance is used to cover routine practices. It wasn't designed for that, and it can't be used for that efficiently, and yet we continue to use it for perfectly routine and predictable payments. The practice of providing lavish health insurance plans, designed for routine use and driven by government interference, created a monopoly for the insurance companies and allowed the price of healthcare to rise dramatically.
That's why healthcare is so onerous now. It's always been expensive, of course, but we've drive the cost of even relatively routine procedures to unprecedented levels. We could solve that by introducing a single-payer system - but that would introduce its own problems - or we could solve it by fixing the problem that caused it. We in the US are in the nearly unique position in the world of neither taking the second-best option and using a government program to fix the problems created by our government programs, nor removing the programs that caused the original problem.