What will the future of health insurance look like?

The elderly population is increasing rapidly, while the working-age population continues to shrink...
In the worst-case scenario, will we end up with the privatization of healthcare?
As a second-best option, will we transition to a European-style healthcare system?
I feel like people who engage in "medical shopping" as they do now need to be reined in.
Especially the elderly...
They treat hospitals like community centers, going every single day just because they don't have to pay for it themselves.