Here is my take on what the health insurance industry does. They allocate the cost of a person's healthcare over the expected remaining life of the person. If you project what your health care costs will be for the rest of your life, add in administrative costs and a profit motive for the insurance company, and divide it by your years remaining, that's what your premium will be. The insurance companies don't provide any healthcare. They don't fix any broken bones. They don't cure anything. They just provide a financing arrangement.
Isn't that the kind of thing a government should be able to do; finance your healthcare? That wouldn't be government-run healthcare, that would just be the government performing an administrative task and taking a layer of private profit incentive out of the system!
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