So how is it then, that with private healthcare, healthcare costs TWICE as much as other countries? You seem to be saying it should be cheap, but it's the most expensive in the world. Somewhere in your logic, something is very wrong.
Insurance merely provides a service just like your car and house insurance. The cost isn't because of insurance companies, the cost is in medical care itself. If the Republicans outlawed insurance companies altogether, people still wouldn't' be able to afford healthcare.
In fact, back when I was in the field, Medicare hired Prudential Insurance to handle their claims. The government finally figured out that private insurance can process billing much more efficiently. In the insurance structure, there is fraud detection. You don't have that in government so government is an easy target for thieves and scammers.
Medicare is going broke. Medicaid is the largest expenditure for most states, and there's no insurance involved.
If we are to deal with the cost problem, insurance companies should be about 20th on the list. Government should be at the top of that list.