I don't know why I should hate insurance companies, they are in business to make money. They can't provide insurance coverage if they don't. Now they charge a fee... a premium... and that is based on the number of times they have to pay a claim. Lots of things can factor into that, how often people get sick and use insurance, how healthy you are, how well you eat and exercise... all kinds of things. But the insurance company, figures out, based on what they are having to pay out in claims, about what they need to collect from me each month in the form of a premium, so that all the books add up at the end of the year, and they make a profit for their efforts. That's just how insurance works in the real world.
Medicine for profit might really be our problem, but here's the deal on that... I have a daughter, several nieces and cousins, aunts, uncles... all members of my close family, who have devoted their lives to the medical profession. To a fault, every one of them has done so because they wanted to help people. Also, to a fault, each one of them was smart enough they could have done any number of other things... physics, engineering.. they are incredibly smart people. They spent an enormous amount of study time, learning procedures, passing certifications and registries, studying night and day without sleep, etc. Now here's the REAL problem... as generous and benevolent as they have been to devote their life to the medical profession, they just aren't willing to do what they do for nothing. I'm sure they would LOVE to be wealthy and not have expenses, but they do... so, they have this funny little tendency to want to get paid to do medical work. Dagnabit! And since what they do is really really complicated and important stuff, and they had to work and study so hard to be able to do it, they generally expect to be paid very well. Now I would just be willing to guess, if you suddenly didn't want to pay them, or wanted to substantially cut their pay, they might consider using their brains and doing something else in life besides medical work. And probably, since in your idea, this should be something that is free, a lot of young people out there looking to start careers, might think about that and say... yaa.. I kinda want to do something and get paid...so no... medical field-- not for me!
Don't you think?