Well, I think you're exaggerating here, but you're right - health insurance isn't a viable solution for the poor or chronically ill.
For-profit insurance isn't the solution. A single-payer is. The larger the premium pool, the lower the risk. So doesn't it make sense to have everyone in one insurance pool?
Only if that's the choice you make. If you pay for your health care yourself, you make the call.
But you can't do that if you have a chronic condition. And what happens in the event you develop a condition that requires chronic treatment? Paying out of pocket isn't going to help you. That's the point of insurance; you don't know what your health care needs are going to be day-to-day, so you mitigate that risk by pooling your premiums together with thousands, millions, of other people. Better to hedge that risk than not, right?
Of course I can. And it only takes one vote, mine. One vote out of millions gives me very little control over elections, but I can fire my insurance company any time I like.
Doesn't matter what insurance company you have, the universal reality you are going to run into is that the decisions made by
any insurance company takes their bottom-line interests into account
before your needs. So they are not accountable to you, to your neighbor, to anyone. And yes, you have only one vote. But if millions of people share the same beliefs you do, and you all vote the same way, then you are holding people accountable. You can't do that in a private, for-profit insurance system, can you? You can't vote out the executive who makes the decision to not cover procedure X. But you
can vote the legislator out who does.
No, there's also a lot of regulation and tax policy propping them up. We're even at a place where government is forcing us to buy their shit. Government is clearly part of the problem.
Look, you guys need to decide what is more important to you; corporate profits or universal coverage. Because you can't have both.