Do you have private insurance, not provide by an employer? My guess is you have no clue what a simple hospital procedure costs.
I was in a small hospital for a retina membrane removal took a couple hours. The total bill was $43,000.00 doc filled $7,000.00, 2, 3 hours tops.
A couple years ago I was in and out of a hospital maybe 2 hours to do a couple stents and set for 4 hours until the artery healed up. Total Bill on than was over $106,000.00
If you can accumulate that kind of wealth then good for you, but 99% don't have it and never will. Try and get insurance after 65, or for that matter try and find a doctor if you are on Medicare. You can't even see one if you pay cash, they can't take it. Well if they withdraw totally from medicare they can bill what they want, until ObamaCare kicks in and I am convinced it will kick in.
That right there is the actual problem with the health care system in America - COST, not access.
There are three basic "issues" with health care - quality, access, and affordability. Quality is not a problem for the US system. When we brag about having the best health care system in the world (while implicitly meaning "quality"), we really are speaking truth.
Now, most efforts to "reform" health care, from ObamaCare to even "conservative" measures, all focus on access - issues like insurance coverage and the like. But this isn't really the issue. Everybody who wants medical care can get it - even if they'll be slitting their own throats financially to do so. There's also always Medicaid, Medicare, and the emergency room route.
Problem is, by trying to forcibly expand insurance coverage, as well as injecting programs like Medicare and Medicaid, the *actual* problem of affordability is made worse. Since there's no real competition, and since government programs tend to just pay without asking a lot of questions, and since a lot of insurance companies do the same (and will get worse as universal coverage is mandated), and with the massive bureaucracy that accompanies all of this, hospitals tend to just up prices to both cover paperwork and malpractice insurance costs, as well as, well, because they know that the gubmint and insurance will pay out. There's no real incentive to keep cost down, so nobody does.
Which is why a retinal membrane removal costs $43K.
REAL health care reform would focus on bringing costs down by introducing measures to encourage thrift and competition, as well as pursuing tort reform to reduce malpractice liability. Yet nobody seems to be talking about it.