Not sure how (1) and (2) are arguments against Single-Payer. Insurance layer would in fact be eliminated and reduce a lot of complexity AND cost of current system.
Regarding (3), there are practices today that make good money with Medicare patients and don't go out of business. They are doing just fine. Why would they go out of business if it's Medicare for all? I have no idea why you added manufacturing jobs there.
Regarding (4), this works for many items, but noone shops around for a better priced MRI or better priced hospital bed when they are in an accident. Most people cannot reasonably compare 2 doctors and know which one is better and by how much; and no, bedside manner comparison is not enough in this case.
1) Yes Insurance Works, BUT that is also what Insurance is... To "insure" in the event of a loss. WITH that RISK retention is a critical point of "insurance" when we took out "Risk Retention" and added in the exclusion of "Pre Existing Conditions" You effectively destroyed the WHOLE Insurance Health Care system. So yes single payer WOULD eliminate it.... ACA DID NOT and KILLED EVERYTHING.
3) Medicare patients as we see NOW Medicare and Medicaid are going to GO BROKE this was a sudo Universal system.... IT cannot survive in our nations climate. baby boomers, Those opting out. An unhealthy society. I added in Manufacturing Jobs, BECAUSE there are MORE Facets to Health Insurance than JUST Hospital Care.
3a) Manufacturers and distributors are PARAMOUNT to operations of Medical Services, Wheel Chairs, Beds, Diapers, And Tools and equipment, Sterilization, Diagnostics LABS. EVERYTHING Medical cost an obscene amount of money. Once you regulate MANY JOBS and cost of goods will be change DRASTICALLY. Manufactures to include Drug companies that out source generics will see HUGE amounts of revenue stream change THAT means consolidation BY the government, MEANING Private companies will close. THERE Is a HUGE trickle effect. That I notice a lot of politician dont want to talk about.
4) No One CAN... Shop We shop based on the specified PRICE that we pay monthly. Thats its the bottom line dollar for the NORMAL person. It is the Insurance CARRIER that is supposed to shop for us for pricing an MRI or a hospital bed.
4a) Kaiser, is an example. I pay $550 a month, compared to ABC insurance DEF Insurance, ABC is top of the lines but cost me $850 a month, I dont know how much their MRI is, nor hospital bed is. DEF is the lowest at $450 a month, But the deductibles are high, and the out of cost expenses is over the budget of sacrificing $100 more a month in the event of a catastrophic injury. I never will have to PAY and I would HOPE That Kaiser at $550 a month will handle the MRI and Bed cost regardless what it actually is. I have a $10 co-pay, Thats better than the $100 copay for company DEF
So Unless you chose NOT to go with a BOX Medical Plan and you went to a private doctor and paid out of pocket....MOST of then nation would NOT realize that a 30 second, Xray for my finger Cost $250. And the Doctor To interpret that it was or was not broken was $200 and for an Xray that took no more than 5 minutes to include the time it took to walk to the department, put on the lead vest and not move it cost $450.......