One reason that health care insurance is not universally available is that insurers have not had to compete fairly on the open market. They have been exempted from antitrust regulation and individual states have been able to limit companies that can offer insurance within their jurisdictions.
Such restrictions might have been appropriate when the industry first started, but now that it mature they are not needed and we cannot afford them. The time to abolish them is long overdue. Tell the leadership of both the House and the Senate to open health care insurance to nationwide competition and to remove the exemptions that let them collude on rates and coverage.