First off thank you for taking the time to explain your position. I appreciate it.
Language matters so let's stop incorrectly say that we are talking about insurance. What your describing can more accurately stated as a co-op.
If you have 10 people in your Healthcare co-op and they spend a combined total of $1,000 in a year. They would each owe $100 plus whatever profit and overhead the company involved charges. There's really no reason to expect an insurance company to start selling people assurance policies as you and others are demanding.
I have a suggestion that I'd like to get your opinion about. Why not form co-ops like I suggested. Every month you get a bill based on your share of what was collectively spent by your group on healthcare. Like minded people can enjoy the rewards associated with that program and those that don't like that idea can seek out their own system. Wouldn't that be a fair approach to this conflict?
Sent from my SAMSUNG-SGH-I467 using Tapatalk
Essentially I think of single-payer healthcare as a national co-op.
Everyone pays in some percentage of their income above some poverty point, and everyone uses the services when they need them.
That could work on the state level too, but it would work best at national scale, because it would be more efficient, especially in administrative terms.
Part of the reason for high costs at the moment is administration being duplicated to some degree for every organization offering the service if you pay into it.
Another part is profit, and that combined with having captive consumers (you HAVE to have this to survive, or be without pain) leads to both prices that are too high, and development of treatment focused at least in part on what is new and can be trademarked for sale.
I think there are probably areas of research that will yield better healthcare methods and systems that are not necessarily as profitable.
That needs to be subsidized by governments or non-profits.
Hell, the current system created the opioid crisis.
Edit:
You would of course have state and local co-op organizations in this national healthcare co-op, which could operate semi-independently.
That would put the administration closer to those they served.
You would need to balance the requirements to ensure sufficient care against local/state specific issues and quirks.