[anonbiocoward]

> if I have major surgery, I will only be out a couple thousand

I'll tell that to my buddy who is a general contractor. He put off major ankle trauma surgery for 6 weeks until his insurance kicked in. The alternative was $40,000 out-of-pocket.

Sounds like you really don't like the single-payer system. Let me recommend Paul Starr's "Social Transformation of American Medicine". I'm pretty sure he hates the system more than you do, but his book walks through the history of how we got here while other countries got to other outcomes. It becomes undeniably obvious that opinions like yours were manufactured by agents of the political parties and the medical industry without your realization.

As a skeptical small business owner, I really encourage you to get some more facts, do a lot of homework. Go read that book. Because this system will bankrupt you. It has bankrupted major American corporations. You alone, as busy as you are, cannot win against millions of smart people who have a century of law and public signalling to have crafted the information environment that created the system of thought in your brain right now.