Health "Insurance"

How exactly do you make insurance more affordable?  Insurance cost, is relative to the cost of what is insured as well as the level of risk.  You can't fix risk - that's just a product of human physiology (ok, you can not smoke, etc, but you get the point - we are all living in a body created to age and eventually fail).  Therefore, you must control (not control like you think, but control as in open the market, create competition and allow the healthcare industry to operate in a free market) the cost of the care.  Then and only then can the cost to insure come down.
Which leads me to my actual point (that took awhile...)
There is no such thing as healthcare insurance.  Insurance is a series of prior payments in exchange for the assumption of an unforeseen loss in the future.  Key word, unforeseen.  It is not at all unforeseen that you, me, and every single human being on this planet will, at some time, need some level of medical care - our bodies are again, and in essence, dying, from the day we are born.  Insuring medical care is no different, or more silly a notion, as insuring your car's gasoline supply.  Anyone want to tell me how much you would have to pay in premiums for a company to fill your car up with gas when it's empty?  That's right - whatever the cost to fill up your tank may be.  There are ONLY 2 ways to make such a "gas insurance" more affordable.  1)lower the cost of gasoline - this isn't something the government can do - this is a product of a free market, or 2)take from someone else to subsidize another's insurance premium.  If you choose #2, then all you have done is created another form of government assistance.  Why then do we need a 2000 page healthcare bill when the same result can be gained by simply raising taxes to subsidize the cost of insurance for those who cannot afford it?  This brings me the universal truth that no one should ever forget...before the government gives anything to anyone, they must first take it from someone else.  The government does not have a product.