There is a simple and revolutionary answer regarding how much is too much when it comes to medical care: Medical Savings Accounts.
Suppose that as of Jan. 1, all employers who now offer medical insurance provided each employee with his own Medical Savings Account, much like his 401-K plan, into which the employer deposited most of the money that is now going to the medical insurance company. The employee would withdraw money from his account for routine medical care.
Suppose that at the same time, the employer took the remainder of the insurance premium and purchased a catastrophic insurance policy to cover medical expenses above and beyond what any family could afford. At the end of the year, all the money remaining in the family's Medical Savings Account would be rolled over and added to the amount to be deposited the next year. Most families would soon have thousands of dollars to spend on any medical care they desired.