Sure, the concept of insurance is a great idea. What I'm supporting here is Health Insurance ran by the medical professionals, from top to bottom. No middle man.
Payments get sent in to what ever office the MP's come up with. Be in a district office, a state office or a national headquarters office. As well as the claim by the MP's who are actually seeing the patients.
Well, I think that's a bit naive. Even if it's "run by doctors" it will require the same work (to process claims, manage accounts, write policies etc...). People who do that work will still need to be paid. People who finance the endeavor will still expect a return on their investment. I say this, in part, because the original health insurance companies began as organizations "run by doctors". But it's not the kind of thing doctors are trained to do, or even want to do, so they hired others to do it for them - ultimately in the form of entire companies, insurance companies.
I agree with you, however, that in most cases insurance is unnecessary overhead. And the less we use it, the better off we'll be.
The problem, in my view, isn't so much who is running the insurance, but rather our irrational expectations, and a fundamental misunderstanding of what insurance is.
Insurance is a hedge against financial risk. It's a tool for people who
have a savings account and don't want to lose it all to bankruptcy in the face of a catastrophe. This implies something important - insurance is NOT a way to provide health care to people who can't otherwise afford it. It's NOT a social safety net, and can't function as one no matter how many legal mandates we pass. People who can't afford basic health care don't need insurance. They need
money.
Fixing the problem will require changing our expectations. We need to realize, as a nation, that insurance isn't "free health care" (in fact, it's very expensive health care). We need to understand that the less insurance we use, and the more we pay for health care out-of-pocket, the better off we'll be.
This was actually starting to happen before ACA. People were increasingly turning to "catastrophic" policies, policies with high deductibles and co-pays. These policies were rarely "used". They were merely there to cover you in case things got really bad. But they were also very cheap (I had one, early 2000's, with a $150/mo premium). Predictably (here's where you can thank lobbyists), these policies were banned by Congress via ACA. (Technically, they're still around - but they cost five times as much, defeating the purpose).
Unfortunately, rather than working to dispel our delusions around health care, our leaders have chosen to indulge them. Rather than identifying the factors making health care so expensive, and resolving them, so that we can actually afford to
pay for our own health care, politicians have been selling the idea that they can get
someone else to pay for your health care. ie free shit. And as long as voters think that can vote themselves free shit, we're going to keep circling this drain.