I apologize that I can't really reply to your comment in full, because I found it hard to tell what was sarcasm, what was sincere, and what was trolling. — Sydasis
I am sometimes sarcastic, always sincere, and I never troll. I regret putting communication barriers in the way.
I have heard complaints about Canadian health care very similar to yours. American health care is perhaps as problematic as yours, but in quite different ways.
The objection to insurance companies is that they no service that could not be provided alternately. Each company collects premiums and contract with hospitals clinics to establish fees for services--independently. Health care is expensive, and the insurance companies (like Aetna, Prudential, Blue Cross, etc.) add from 15% to 20% of additional cost just to operate their pretty much superfluous service.
For instance, many Health Maintenance Organizations (HMOs) operate as non-profit cooperatives. They provide complete medical services in their own clinics and hospitals for their members in exchange for a competitive monthly premium. There is no paperwork involved in receiving care. A single payer system would work much the same way.
The replacement of the insurance companies by a single payer wouldn't make medicine better, it would reduce the cost--no small thing.
The US medical system tends to provide more services than necessary. I recently (thought I) broke some ribs in a winter accident. I ended up going to the ER when the pain became very bad (about 5 days after the event). A CT scan was performed. Necessary? Probably not. An ordinary x-ray would have revealed that the ribs were fractured, but not displaced, and thus couldn't puncture an internal organ. Quite possibly, unnecessary CT scans are a profit center for the hospital.
I also had a fall on ice and landed on my rear end and hip. Should I have gone to the ER for examination? Yes, the pain was fairly bad but I have had this sort of injury before where there is major bruising and the pain lasts for weeks, and like with the broken ribs, I was pretty sure there was nothing they could do for it, and while Medicare would have covered it, there is no good reason to consume more expensive care than necessary, or to get yet more radiation from additional x-rays.
For about a year and a half I had to pay my own premiums because I was unemployed and not otherwise insured. Over the course of 18 months it cost me about $25,000 to be an individual rate payer. Most of the 25000 went to the insurance company, since I happened to have nothing other than a few routine follow up visits for eye car during that period of time.
$25,000 was a big share of my savings at the time, and given my age, I didn't have time to re-earn it.