I will agree on the "food" portion of your statement, as well as the reason we have "crisis" care, but that is the reality, and I would bet, for 98% of the population, this will continue, because most people do not have the will or desire to change. Unfortunately, in America, Big Mac and fries rule.
Simply making 50% of the people pay for the 20% will not cure this problem, and it will make crisis care worse and more expensive. It will also break insurance companies, who I have no love for, but have to believe it's better than a federally-run insurance and healthcare program.
If it were ANY good at all, Barry and the sociopaths in Congress would not exempt themselves so readily, now would they?