I see a problem in the US system, the insurance companies have two options to make profit, (1) drain the insured people and (2) negotiale the the medical providers. This puts insurance companies in a very privileged position. This is why the insurance companies are the problem. Germany for example has a national "public" health insurance system and a private insurance system. The national health insurance system is based on an tax-based insurance font. For the public insurance sector this font is the only one (!) allowed source of income for the insurance companies. This means the companies can not drain the insured persons, they have to negotiate prices with the medical providers.