The freeloaders who have paid thousands into private health insurance without taking any benefits and then lose their job, can't pay, and get NONE of that money back when they need it?
Oh, you're one of those people who don't understand how insurance works. Let me help you out.
I'm one of those people who pays every year and gets virtually no medical treatment. Healthy as a horse. I should absolutely get my money back. Right?
Wrong. Here's a simplified example for you. There are 10 people in my fictional world. There's only one malady: heart attack. It strikes 10% of the people per year, and costs $100k to treat. Mere mortals like you and I can't just absorb a $100k hit, but we can absorb $10k/year in insurance costs. Everybody throws $10k/year in a bucket and the one guy per year (on average) who has a heart attack gets to take the money out of the bucket and use it for his treatment.
The bucket is an insurance company. You should see that the money that the 9 of us put in there who were healthy that year isn't still sitting there. It got paid out to the guy who wasn't healthy.
Or the freeloaders who are completely avoiding doctor visits to avoid getting any preventative care or diagnoses they need in order to keep pre-existing conditions from appearing on their health records (and end up costing the insurance companies and/or the government 100x what it would have if they had dealt with their issues earlier)?
There's this notion of freedom. It's not all about saving money. If I don't want to go to the doctor, that's really none of your business. Now, should I bear the costs of not getting preventive care? Sure! I used to have a dental plan like that. Get your twice a year routine cleaning and exam and everything is covered 100%. Don't, and you pay a percentage of the cost of fixing the teeth you didn't take care of.
The fact is, healthcare costs would be far lower if we had a single payer system.
No, that's just a claim backed up by no evidence you've presented.
Cover EVERYONE at a federal level, then none of your concerns about private corporate interest are relevant.
And that, regrettably, is the typical appeal to authority that harkens back to the days when mommy and daddy could make everything all better. The federal government is just a collection of people like me and you. Some of them are very good at their jobs. Some of them are very bad. Most of them are average. You know, just like the rest of us.
The problem with federalizing it is that you get just one option. You get saddled with the choices that are made by a set of bureaucrats at the top. You naively assume they'll be the right choices for you, but that's not necessarily true. Many like to point at countries like Canada as a claim that it works fine. Well, I have family in Canada and they don't think it works fine. Canadians also have an exercise another option when they need better or faster treatment: they come to the US.
There are definitely things we should reform about the healthcare industry. Pre-existing conditions is part of it, but Obamacare did that already. Separating health insurance from employment should happen. Some sort of incentive to get us to stop being a nation that eats and couch surfs itself to death would go a long way to bringing costs down. There are lots more.