[herbstein]

> In a sane country, you can use insurance to convert variable payments into average payments

Consider tax paid healthcare to be a public insurance plan that doesn't need to skim billion dollar profits from their "customers" then.

[eru]

Health insurers profits are a small fraction of overall healthcare spending.

In general, I'd prefer services with competition and that you can opt out of.

Having said that, Singapore's system works fairly well in practice. But it's not at all like eg the NHS.