Agreed cc. Have we not reached the point where it makes more sense economically to re-allocate money from health insurance to health care? Obamacare is a great example IMO: it's more focused on health insurance than health care, with a new bureaucracy to boot.
I know medical care was far less expensive before the days of widespread health insurance. When I was born in 1964 the cost of my birth and hospital stay was less than 2 weeks pay for my dad on a garbageman’s salary (right around $85)
On the other hand, insurance was cheaper for those who had it.
I would throw the insurance industry wide open to competition. People should be able to pay for their precise insurance needs. For instance my teeth and general health are good so I shouldn’t have to pay to insure for those things right now. On the other hand my eyes are going to crap and I have some pretty severe joint issues. While I can’t afford to pay for the whole package, I can afford to insure for my immediate needs.