That is your plan, no plan? Just send everyone to the ER. It is not my job to 'have a plan'. I merely pointed out that the present system has some favorable points wrt spreading the costs of medical service.
It would seem that you have no plan for providing medical care, merely a simplistic mantra: get better insurance to pay the bills.
The personal example you used, how your family had to sell their land to pay their medical bills, certainly points this out. However they got their care, they got it --- and THEY payed for it, not me. You want ME to pay for it, not you or them. Other than selfish reasons, why is that? Do you pay for my care? Should I send you the bills? If you got me to pay for it, would I be able to use their land?
You are so irrational How's that? Is it irrational to use a system that's already in place and improve upon it rather than establishing a new system that cannot work without commanding performance of people?
Have you attempted to find doctors that take medicare? Or any other insurance, for that matter. What will you do when you can't find such a person? Have a quota for doctors? Take their property if they refuse to accept the prescribed payments? If they think they are losing money on each patient they see, how long will those patients be amongst the living? I don't think the problem is how to pay, it's how to not pay so much.
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