Same way you make other insurance affordable.. such as home, life, and auto.
So then you do agree! Everyone should have to buy insurance! The reason that the system works with home and auto insurance is that every home and auto (in most states) must be insured
Life insurance is a little different but the payouts are set to a fixed amount so it's fairly predictable as to how much will be paid out.
You keep talking about these astronomical prices but they don't really matter because nobody pays those prices. The insurers and providers negotiate rates that are MUCH lower.