I agree. Insurance companies can be bad.
That doesn't mean I think government is better - in fact I think it's worse because it's a monopoly (as evidenced by the fact they want to fine me ~$2500 for not taking Uncle Sam's proposed product). At least with the private market there's a choice - if Nationwide sucks, then I can try Allstate instead. Or Prudential. Or whoever.
Or just pay cash directly. I can get big discounts from the doctors when I pay cash or credit card (it makes their lives simpler). They key point is I DECIDE the course of my life, not somebody like Gordon Brown or George Bush
You certainly live in a beautiful dream world.
each state in the union is utterly dominated by one or two insurance providers. These providers are also excluded from anti-trust laws, so they collude; you're essentially doing business with ONE firm under two names. It's like buying "broadband" in the US, only far far worse.
Pay out of pocket? do you REALLY want to go down this road? I have crohn's disease, can't buy coverage at any price, and have strained the collective finances of my entire extended family with medication that costs more per DOSE than most households pay in total monthly expenses.
Again, your dream world is wonderful, may I please have whatever souped up cocktail of opiates and hallucinogens you ingest hourly?