The insurance company doesn’t “ration” care — it gives coverage per the terms of the insurance contract. Companies offer a variety of plans - some cover more, some cover less. States mandate what plans will cover and, of course, that varies state to state which is the reason some states have “cheaper” private insurance costs than others.
Well, if I don’t like insurance plan A, I can go to Insurance plan B. If there’s a single payer gov’t plan. you have no choice because all private options will be illegal and you’ll have to do what Canadians do now: go overseas.
The only problem is if we pass this boondoggle of a health plan, where will the Canadians (and Americans) go to get better care? Korea? Costa Rica? South Africa?!