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There is no need to be condescending or rude. I'm trying to share my ideas and have a healthy discussion so maybe we can learn from each other.
If you want a healthy discussion, you need better arguments.
Competition is inherently meaningless in the context of healthcare. What are you going to do, shop around while you're having a heart attack? Also, with single payer, the government is not involved in your healthcare directly. Compare that with the current system where insurance companies often decide if you're worth the treatment or, if you're under or uninsured, you get to carry the debt until you die.
I think part of the problem is the blurred lines between routine healthcare and emergencies. You are right, if you are having a heart attack insurance should step in to help you front the unexpected large cost. But for expected care like dentist visits you can and absolutely should shop around.
I like your point about insurance getting to decide but I think it's important to note you can still get treated even if insurance doesn't pay. Or you can sue them if you feel they should pay. You make some good points though.
Thanks.
A couple of things you might not have considered:
Preventative care. If you have insurance that covers checkups, screenings, etc. then you get that benefit. If you don't have the insurance and can't afford the out of pocket expense, you skip. The issue is that then people wait until they're in really bad shape before seeking treatment meaning that outcomes are worse and treatment is much more expensive than if the illness had been caught earlier. Who pays for that? We all do through increased premiums.
This doesn't happen in a well-run single payer system.
Why? I'm not seeing any benefit to your idea vs single payer dental. It's not like your mouth isn't a part of your body or that dental issues don't effect your overall wellbeing.
If someone can't afford insurance, what makes you think they can afford a lawyer?
That's fair.
It's very frustrating seeing someone argue for disproven theories (like the government is less efficient than the free market in arenas most countries have socialised) using easily disprovable statements (like single payer healthcare would be more expensive to US citizens than the private system you have now). Especially when those ideologies can only hurt everyone.
I do apologize for the tone since you have been respectful and I have been less so. You don't deserve the rudeness but your ideas don't deserve the consideration they get in civilised society either.