No, you don't. Just because most people do it that way doesn't mean it's the only way.
OK, but for those hundreds of millions of people with chronic conditions that require consistent care, that isn't an option.
It matters a great deal, because whoever is paying the bill, decides which services they will pay for and how much they will pay for them.
Right, so right now you are admitting that a private company, whose only obligation is to that of the shareholders, and who must maintain profit margins at your expense, is in "control" of your health care. So how is that beneficial to you? Do you think your health care needs align with the profit needs of the insurance company? I certainly hope you don't think that, because that would be terribly naive. Why do you think insurance companies practices rescission in the days before Obamacare? They did that because they had profit margins they had to maintain that would be reduced or eliminated if they had to reimburse for your care. So how is that analogous to Medicare, that doesn't have a profit motive? How would Medicare for all be any less accountable to you as a patient than Aetna? I think you'll find as you answer that question that it makes less and less sense to have private insurance instead of single-payer.
This happens before services are rendered and determines what health care you will get. If an insurance company is paying your bills, this is stipulated in the policy, if the you're paying the bill, it's your call. If government is paying, then your health care depends on who is in office: Trump, for example.
Yes, but you can vote Trump out. You can't vote out the Board of an insurance company, can you? You can't vote out an insurance company executive, can you? How many doctors work for any given insurance company?
ZERO (The exception being Kaiser). So insurance companies are "controlling" your health care without even employing a single doctor. So how can they possibly determine what they should and shouldn't pay for to address your medical needs? Who are they to make that judgement? Their judgement is made absent any medical input from, say, a doctor. They weigh what to pay for and what to not pay for based on their bottom line, not what's best for your health. Isn't that backwards???????
The fact that most Americans can't afford basic health care is the problem. That's what we need to address. Something is stupidly wrong with a market that can't provide services at a price people can afford.
And why do you think that is?
Because of for-profit insurance. That's the only reason why.