"IF I got my "benefits" as salary, I could be much more efficient in my health care dollars than Insurance."
Good idea.... until you get into a car accident or slip and fall and break your hip and have chronic long term pain. Or have some other serious medical condition and it drains your life savings within months. I'm sure some Americans could make that work but not most.
Fact: Most Americans are terrible at saving money, even ignoring the fact that salaries have been stagnating and our current situation makes saving difficult. If they enable "save and pay your own way" for everyone we'd all be doomed. The only solution is stop this partial Universal Healthcare crap and go Full Universal and abolish the current private Insurance system.
50 years from now they'll be looking back and wondering what the hell we were thinking allowing private insurance to screw us so badly for so very long.