The only reason the healthcare issue seems so complicated is the massive amount of propaganda we're subjected to in the U.S. media about it. You're on the right track to figuring out an answer. Just look at what all the other industrialized countries do. Then do that.

Nice little overview: http://en.wikipedia.org/wiki/Universal_health_care

This is of course beyond the pale of rational discussion in U.S. political discourse. Just whisper "socialism" and it's off the table, instantly.