The way to solve a problem is to think of something new- not try something that others have already tried and failed catastrophically at.
Unfortunately, the design of the ACA does not allow insurers to put the health of the policy holder first. (I doubt it was intentional but as Nancy Pelosi famously said, “ You need to pass it to see what’s in it”). There have been insurance companies set up to put the health of the insureds first and the outcome was devastating to everyone involved.
(I read a long white paper sent to the architects of the ACA, I think through CMS, outlining why the ACA couldn’t mathematically work out and their one line response was something to the sort of “we read your concerns and they aren’t true”, of course without providing any explanation.)