No it doesn't equal out. That's my point. If I live healthy, I'm going to have less healthcare costs every step of the way then someone who doesn't. Asking me to pay for them isn't equaling out. It's a moral hazard.
Look up the healthcare system of Singapore. They use health savings accounts, and the government helps subsidize the costs of emergency procedures. Its a system that works and keeps costs down.
Where do you get this idea? Americans have shorter waiting periods, better technology, more advanced treatments, and better health outcomes for heart disease, stroke, hypertension, diabetes, and nearly every category of cancer. Healthcare access isn't reducible to a single denominator on how many people are insured. In many other countries, everyone has health insurance, they just don't get the same level of treatment as they get here.
Well you certainly don't want too many doctors. Some supply control is absolutely necessary to control for quality. Besides, doctors make up less then 10% of all healthcare costs. As a % of healthcare costs, its actually amoung the lowest in the world.
U.S Physician Compensation Among Lowest of Western Nations, Survey Finds