How to lower healthcare costs without rationing

Currently in the United States Senate they are crafting a government run healthcare system to "compete" with the current healthcare system. We already have one of the finest healthcare system in the world, the problem is not everyone has access. Let's not put governemnt in charge, let's give the uninsured help in paying premiums on a sliding scale such as the Basic Health system in Washington state, unlike Washington state however let's fully fund it.
To keep healthcare costs down let's follow Safeway's example. Safeway discovered that 74% of all healthcare costs are due to obesity, smoking, heart disease and cancer. So they developed a system where employees can reduce their premium by taking tests in these four areas, if they pass the tests, they get the discounts on their premiums up to $780 per individual or $1560 per family. As a result of these incentives, Safeway has been able to hold down healthcare costs, no increase in cost in the last four years. Can you imagine how much money this would save in Medicare, Medicaid? Well the latest estimate is 550 billion dollars, more than enough to pay for adding previously uninsured to our current system. No need for making patients wait too long for care which is rationing because in many cases in Canada and Great Britain, patients die first or suffer months or years of great pain. A government run healthcare system in Canada, Great Britain or US is a failure, not because good care is not provided, but it takes too long to get care, while waiting for heart procedure or cancer treatment, patients die first. Also in Great Britain they have a quality of life judgement to keep down costs, basically it means if you are young you get the resources and as you get older, you are denied treatments, because it would not extend your life long enough, in other words you are a useless eater, who does not have enough years left. It is abominable but it amounts to involuntary euthanasia like in the movie, Solyent Green.