This article does a good job of presenting the health care insurance problem. Not sure about a solution, though. Maybe I missed it.
I lived in Peru for 5 months. They have government clinics that treated everyone. The waiting rooms were full and the waits were long. All doctors were required to work a certain amount of time in them.
When I was growing up in the US, they were called “County Clinics.” Some complained they weren’t “equal.”
To get better care in Peru, we joined a clinic, like an HMO here with a copay, for $300 per year. The price difference would be 3 to 5 times in the US.
The country needs multiple levels to cover everybody, no matter where the premiums come from. Of course, those with money will get better care, just like they get better cars and houses.
But I agree, coverage for everyone must come about some way.