In fact, the efforts to provide it following Bismarck's model (through employers) probably resulted in some serious delays in a normal development.
It's like this, I have universal grocery store service. They're all over the place. I pick and chose on a daily basis.
I have universal "road service' and over time there's been a mix of local, state, national or private vendors 'road service'.
What you guys get hung up on is the issue of PAYMENT. Neither payment nor medical insurance constitutes medical care.