Insurance companies DO NOT RATION, they CANNOT ration.
They can refuse to pay for a procedure, but they can’t stop you from getting it if you want it.
Under single payer, universal care, you can’t pay out of your own pocket to get a procedure they won’t pay for. You and the doctor who performed it would wind up in jail.
Insurance companies cannot ration, only government has the rule of force to prevent people from getting care. Insurance companies can refuse to pay for something, but they cannot stop you as a person from getting something.
#12 is the correct answer.
Also, I have an HSA now. The required policy that comes with that has a high deductible and certain policy terms as to what is covered. Because of the HSA, I can put enough money in the HSA to cover most medical procedures the policy doesn’t cover, and pay for those procedures from the HSA funds.
There is an annual limit on how much I can put into an HSA, but if I need a procedure that costs more than the annual amount of my HSA contributions, I can use HSA contributions from more than one year to pay for medical expenses. That might not be enough for the most costly procedures, but can help a lot.
Under HR3200, I will not be allowed to have an HSA. Forbidden by law. Period.