Yes, well, that's capitalism for you.
Most Americans have no choice in insurer. And their choices are controlled by a powerful cartel that colludes to keep prices high. There is no competition in the health insurance field.
No American gives a rats ass about the "choice" of insurer. They want a choice of doctors and services, but really, and I can not stress this enough, REALLY hate all insurance companies. More than they hate the government even!
And yet, taxes have been cut again and again and again. How do you reconcile that fact with your statement that "Because the people raising taxes will never reach a point when they say "the government has enough money now, let's cut taxes"."
Seems that it's very, very easy for the government to cut taxes, at least for the rich. Why are you afraid of "the people who want to raise taxes" when those people have never actually done so? Seems you are imagining a scenario that is not just unlikely, but counter factual.
No, people want to pay for things with their taxes. The are not, in fact, idiots. They don't want predatory capitalists taking a cut, and figure, correctly, that government is more trustworthy than a man with a profit motive and no morals.
People recognize that certain endeavors are just not well served by a capitalist free market. Health care is a primary one that simply doesn't work unless heavily regulated or run by the government. You do not know what is wrong with you. You do not know how to fix it. You can not shop around for a new liver.
As it is, we are basically running health care like a for profit government, and we are getting the worst of both the public and private worlds. Health insurance amounts to a system of taxation that forces the healthy to pay for the sick, and lets a third party take a huge cut. Replace health insurance with actual government taxation and what have you lost, except for the greedy bastard trying to mark up your heart medications? Nothing.
What the world *really* needs is a good Automatic Bicycle Sharpener.