And the only reason that the primary method of providing healthcare is insurance is because of government tax laws for businesses.
If it weren't for that, everyone would still pay for medical expenses out of pocket, with some people choosing to have disaster-level insurance for major procedures, just like they do for car wrecks, unexpected death, and home fires.
There is a problem with people who have chronic, recurring problems. The thing is, at that point that person is essentially a charity case - whether it's charity through higher premiums everyone else pays or through a government mandate, they are someone who costs more to keep alive than they will produce with their life. The insurance model breaks down. That is still not a particularly good reason for trying to still ram them into an insurance model of any sort, government or otherwise.
Personally I'd love a purely free market approach, untied from employment, for the vast majority of people to cover unexpected horrible events, and possibly a government funded program that yes, rations funds, to pay for the charity cases.
Would you people stop playing these stupid games?!?!?!!!!