A sensible government would seek a sensible solution.
Congress has the power of controlling Interstate Commerce, no argument here.
Congress , the states,Insurance Co's, the Medical Industry could write policies <perhaps 10> with 3 price ranges for each and encourage Companies and states to enroll people. A 5% fee on each premium would cover unforseen circumstances. Congress must not be allowed to touch this money ever. The government acts as oversite and the private industry runs the operation.
Set a minimum coverage and cost but never set a maximum.