Isn't this a worse case scenerio?
I have insurance and have had a few surgeries and had not one bit of trouble with the insurance company. I happen to be very, very satisfied with my health insurance. But now I think those days are gone. And I realize you're going to tell me that's not going to happen, but in my experience with any govt program, eventually it goes to hell in a handbasket and cost twice as much as it should.