You can maintain that view if you'd like, but understand it does not align with reality at all.

BTW, this isn't a discussion about who I might vote for, please don't get defensive. This is a good conversation so far, no need to go there.

Let me add something about healthcare. I'd like to suggest you are focusing on the wrong thing (as are millions others).

The US healthcare problem is NOT an issue of insurance. Not even close. That's the biggest fallacy and lie told by politicians for decades now.

Put in very simple terms: You cannot fix the US healthcare system with insurance. Period. It is NOT an insurance problem.

I don't care if we pass Medicare for All, None or the Pink Unicon Plan. Insurance is not the problem.

What's the problem?

Costs. Well, it's layers of issues really. In no particular order at all:

The cost of medical education is ridiculous. The government needs to get out of the student loan game and allow the free market to drive education costs down. Today a doctor graduates with $300K or more in student debt. This means, in no uncertain terms, that this person cannot work for a salary lower than what's require in order to have a hope of paying back that loan and, on top of that, having a life, raising a family, owning a home, etc.

BTW, my wife is a physician, so I have first-hand data on some of the internals of the business side of medicine.

The next problem --and this affects everyone, not just doctors-- is that our education system loads-up degrees with a bunch of unnecessary pork clearly designed to add another year, if not more, to the process of obtaining a degree. In other countries, if you study, say, electrical engineering, you are treated to science and engineering courses, you don't have to burn months taking myriad unnecessary general education, sociology or other non-engineering courses.

When a university is charging you $50K a year to keep you within their walls it is quite profitable to require you to take a bunch of other stuff with the excuse of these things being degree requirements. This adds at least $50K, if not more, to the cost of getting a degree.

Moving on from there, the cost of malpractice insurance is ridiculous. Of course, there's variance from specialty to specialty. The range is from $5K to $50K per year and it also depends on where the physician might be practicing (which State).

These costs are an important element of the equation that ultimately determines how much we have to pay to have a dozen people attend to us during a surgery or half a dozen people involved in emergency care, etc.

Then there's tort reform. Yes, things have been getting better, with some States doing better than others. However, the consequences of our litigious society is that doctors are forced to cover their behind by sometimes ordering all kinds of unnecessary tests and medicine. This costs money and that cost is passed on to the patient one way or the other.

Now you start looking at medicine at the hospital level and things get worse. The hospital employs a bunch of people with huge student loans and varying degrees of malpractice insurance and office expenses to cover. The hospital itself has to cover itself through expensive insurance. And then there's the regulatory burden of actually running a hospital. Costs pile-up and, once again, they are passed on to the patient.

Then we move on to drug companies. The cost of developing drugs and obtaining regulatory approval is massive. Some drugs cost in the region of $5 billion. The FDA mandates testing that costs in the range of $300 million.

Drug companies have non-trivial costs associated with dealing with the regulatory burden. In addition to this they have to worry about lawsuits as well, which means they have expensive insurance, people to manage this (entire legal teams) and the cost of occasional settlements reached in litigation. Once again, costs pile-up and patients end-up paying for them.

Medical device manufacturers are subject to the same equation. I once tried to develop a relatively simple medical device that would help millions of people. The regulatory burden and FDA costs were so high I dropped the idea entirely.

The reason the same drugs and devices cost less outside the US is that drug companies charge US patients for the cost of doing business in the US. This makes sense, why would a company charge the US burden in nations where they have a far lower cost existence?

There's more, but I'll stop here. For example, we could talk about the truly horrific medical patient data system that adds untold cost to our healthcare system.

The bottom line is that one could pass the most wonderful sounding insurance scheme and it would do absolutely nothing towards dealing with any of the above problems. Not one thing.

These are basic business problems. When things cost you too much you go back and analyze the cost structure that leads to high prices. Our cost structure is horribly high. Which means our costs to deliver care are equally horrific. Insurance will not fix this at all. It's like saying that changing auto insurance policies is going to reduce the cost of buying a Tesla. No, the cost of buy a Tesla is associated with the cost of making a Tesla and not with the insurance the owner will pay to drive one.