[brandonb]

Note the Harvard study is from 2010. The Affordable Care Act (Obamacare) passed in 2010, started going into effect in 2014, and bans lifetime caps on health insurance payouts. The intent was to address exactly that problem--medical bankruptcies.

So the big policy change the parent asks for has already happened, and the U.S. will gain universal insurance coverage over the next couple years.

If we want to see healthcare costs drop in cost beyond that policy change, it's almost certainly going to need to be driven by technology in some way.