What the government should focus on is making medicine and services affordable, not free health insurance. After all this is what drives the insurance up. Then all could have affordable health care services without insurance. Then the purchase of insurance would be a privilage.
Here's an oversimplified analogy for health care right now.
Say you own a restaurant that serves breakfasts all day. You've got some of the best omelets in town for maybe $5 a plate. $1 for OJ or coffee.
There's not a whole lot of profit, there, but you get enough to pay your employees, enough to keep business as usual going, etc etc.
Some homeless guy comes in. It's not really his fault he's homeless, just the way it is. The government says that at the bare minimum you need to give him an omelet and an OJ when he comes in.
He might just be coming in because he needs to warm up, and might even say so, but you're legally obligated here to give him the minimum service.
That's $6 lost.
Billy Joe comes in and says "Put it on my tab."
His tab has been running for awhile and you know bill collections are on his case, but you're obligated here.
Another $6.
In order to keep doing business and making enough to pay your employees etc, you start needing to raise the costs for all the other paying customers. You hate to do it, but how else are you going to get your money?
---end story---
The analogy is, as I said, grossly oversimplified, but for a hospital that needs to run full EKGs or expensive Xrays on a homeless guy who came in because he was told if he came in with "chest pains" he could get a turkey sandwich and a warm place to sleep for awhile... that adds up.
If hospitals got a baseline of funds from the gov't to help cover these instances in particular, prices would be able to come down for the average breakfast buyer. This also ignores the entire group of a-holes who go to the ED for incredibly stupid stuff and don't pay their bills.
"My knee is killing me!"
When did this start? "6 months ago?"
"I need pain meds for my toothache."
Weren't you here last week? "Yeah. It still hurts."
You have dental insurance, right? To get it fixed? "Yeah, but I hate dentists."
This one I've seen:
Pt:
"I came in for a bug bite. It really, really itches. I took extra vitaminc cuz it's an anti-toxitant. For poisons and stuff."(another lady in the waiting room)Did you try benadryl or another bug bite cream?
Pt:
"Oh, no, it really, really itched."(another lady in the waiting room) Could you have made a doctor's appointment for the $20 copay instead of a $500 ER bill?
Pt:
Oh NO! It could have gone away by the time I saw the doctor! (other lady)
I wanted to shoot myself, sitting there, listening to the conversation. I was already feeling really guilty being there, because I could have waited for an appointment, but because of SAIF red tape, I was sitting in the ED with my knee all swelled up from being sprained. One person's concept of an "emergency" can vary drastically from another's. I was there for maybe 4 hours, but didn't even think to complain because I know full well that only a couple rooms away from me there are four trauma rooms that are almost always hoppin' with Life Flight patients and others that are really, truly emergency cases.