I agree with you, Atomic_Dog.
My 85 year old mother was paying over $500/month for simple drugs and she does not have any real serious problems. Her Medicare Part D coverage was a rip-off, $30 copay for a $4 drug x 6 plus another $30 a month for the insurance premium.
I moved her to a $10 per month plan to cover catastrophic needs, knowing around the first $5000 is my cost and then
I replaced everything she needed at a cost of $200/year.
I am a very knowledgeable consumer though.
The current medical system destroys lives, both physically and financially. Universal insurance is not the answer though. The free market would solve the problems- get rid of insurance and most regulations.
Please share with us how you did this.