Then I would assume you have very little experience with the VA. My father uses the VA for some things like prescriptions because it's much cheaper, but he goes to the Cleveland Clinic for anything serious. He never spent one day in a VA hospital even with as many medical problems as he's had. The VA was the primary customer for one of my employers. We lost them because the guy in charge of the VA was on the take--one of them the company I worked for. So I lost a job because of all the VA corruption.
If you work for a company where you gross 700.00 a week, that's seven dollars into your MSA every week. If you start off young, it's likely you won't touch that account for many years down the road. It would get some interest as that time went on as well. I'm not saying it would cover all of your medical needs. What I'm saying is that these providers and insurance companies lose money on all these nickel and dime transactions. It's better off paid directly to the provider to avoid all that paperwork. When insurance and providers save money, so does their client.
With government, you pay them money, and they keep it under a mattress until needed. Insurance companies invest the money you pay for your premium. The profits help offset some of the bills they have to pay. They also dedicate money towards locating fraud; something our government doesn't do. It's way more efficient than government.
When Commie Care was introduced, I was at the post office one day in a long line. The black lady in front of me said "This is ridiculous! We have all these people here, and only one postal worker behind the counter!!!" To that I said "Don't look now, but these are the same people that want to run our healthcare." Oh did she give me a dirty look.
The only reason the VA has inferior doctors is that insurance companies over pay deliberately.
If you allow a government medical service to compete with private health providers, their charges will have to cut on half, and then so will what they pay doctors. So then VA doctors will be better quality.
The VA is vastly better health care than a quarter of the population gets now, which is none at all.
The VA is not at all known for any corruption. It is nonprofit, so almost can't become corrupt.
There is nothing you can pad.
The rate you suggest of $7 a week into a medical savings account would be $350/year, or only $17,500 after 50 years. That is not enough for much of anything, if you actually need surgery. That is more like $100k for anything significant. And while many will not need anything, those that do will need almost 10 times that much. So clearly medical investment funds need to be pooled and shared.
And no, insurance companies and providers do not lose a dime on the small stuff because you are already paying them cash, as they are less than your deductible.
The idea government keeps money effectively under a mattress is totally wrong.
We have a $22 trillion national debt we finance at about 5% interest, so the excess surplus from any medical surplus would go to paying down the debt, just like the Social Security surplus does now. That saves all tax payers huge amounts of money. There is no better investment for taxes than T-Bills.
Insurance companies are the least possible investment.
By forcing you to prepay, they eliminate any possibility for negotiating quality or cost, they deliberately cause costs to be more than double, and they are the most corrupt in terms of trying to get out of paying anything if they can.
And they skim off about half of what people pay in, as the profits they charge for administration.
In contrast, it is well documented that government services, like Medicare have a far lower administrative overhead cost, which is less than 10%.
Your example of the post office having only 1 clerk proves you are wrong.
The reality is that I have never seen more than 1 clerk at FedEx or UPS either, and yet FedEx and UPS charge more than double what the US post office does for the same size package and delivery times.
Anyone criticizing a long wait in a post office does not at all get it.
Any rational person wants long lines, because that saves money and allows for lower charges.
Lower charges is all I care about.