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What you're describing is a single-payer system. The main sticking point here in the US seems to be "the public option," which is basically just medicare/medicaid for healthy people with money.
Personally, I think healthy people with money ought to be able to buy into medicare/medicaid if they want, considering medicare/medicaid is going bankrupt. Perhaps if medicare/medicaid didn't exclude people who were willing and able to pay a premium and then not use the coverage very much, they'd actually see it turn around and become...well,
less bankrupt, at the very least.
Seriously, what's the worst that could happen? Even if the new paying customers lose everything they have and stop paying, they'd be signing up anyway.
At least their wouldn't be any new paperwork, right? Cheaper already..
It really couldn't hurt, I don't think.. I mean, if I ran a business, I certainly wouldn't exclude everyone EXCEPT people who used my service a lot and never paid me... I think we can all agree that's a patently stupid thing to do, and we'd want the opposite...we'd want people who paid us, but rarely used our service...which, when you think about it, is exactly what health insurance companies have now.
Since insurance is largely tied to employment in the US, they get people who are healthy enough to work
by default. Not to mention that since most insurance premiums are deducted directly from paychecks, they actually get paid BEFORE the employee gets paid!
How sweet is that if you're an insurance company?!?
Not only that, but it's actually legal to drop a paying customer whenever the customer starts really using the insurance or gets too sick to work and are let go from the job to which the insurance is tied! That's just icing on the cake, isn't it? Whoever came up with it is clearly a GENIUS.
(...and all the people who stood idly by and let it happen should
maybe be drug out back and shot, but that's probably another topic altogether...
)
Anyway, what sucks is that when people do get really sick and dropped from their work coverage (and/or their jobs),
that's when they go on medicare/medicaid and are taken care of by the taxpayer...while the insurer keeps all those past premiums they paid for no good reason..
All I know is that I, personally, wish there was a public option. That way, if I lost my job, I could pick up freelance, contract, or part-time work, or even start my own company, with the security of knowing that I'd still be able to get affordable health coverage.
And, frankly, I don't worry that it's "government" coverage.. If I get in a wreck or someone robs me or whatever, I call up "the government" -- 911 -- and they send "government agents" -- Police/Fire/EMS -- to help me. I drive my car on "government-run" streets and roads.. There are potholes, yeah, but how would roads and streets work if they were privately owned?...yikes...I shudder to think about "premium, regular, and discount lanes" or some such monstrosity.
I guess what I'm saying is that if we're worried about "socialism" or "marxism" creeping in to the US...sorry, but it seems a little late. That probably went out the window with a standing army several hundred years ago.
Not only that, but capitalism is simply in our DNA as Americans. It just is. Anybody who tried to bring true socialism to the US would have about the same luck as the US has had so far in bringing democratic capitalism to the rest of the world.. We wouldn't know what to do with socialism any more than a terrorist knows what to do with a senator.
Terrorist: "So...we blow you up if we don't like you, right?"
Senator: "No, you vote against me in the next election."
Terrorist:
Personally, I think that if we woke up to socialism tomorrow, someone would make a million dollars that night by paying cash at discount rates for everyone else's piece of socialist pie, chopping it all up into smaller pieces, repackaging it, then selling it as "fun-sized sociabites!" at a
huge profit margin.
It's who we are. It's what we do. We're Americans, and Americans are capitalists.
Michael Moore didn't even turn down his capitalism-generated brazillions of dollars, did he?
Enough said..
Those are my opinions, anyway.