How's this for fixing health care?

My God your making it more complex than it needs to be, its already a mess. How about this? Create a two tier system, one that is run by the private insurance companies and deregulated. The second tier should be a coop where the average Joe can buy a membership for a low cost and this coop would be rolled together with the Veterans, medicaid , medicare, all of the others and if you want to deal with the insurance companies you can and if you want to be in the coop you can. If your in the coop you sign away your ability to sue and the medicine in the coop is bought on a grand scale and the theme is preventative medicine. keep it simple.