I think Edward and Dave may be right that insurance doesn't work. I think if we step back and look at the business of insurance, you will see that it is a pyramid scheme where the many pay the bills of the few. Insurance companies are forced to deny coverage and scam people to make a profit. This makes me wonder if it is possible for the many to pay for the few, or if the few are becoming too many. What if insurance companies engage is this horrible behavior because they can't afford to do it right? I understand that the hope of single-payer lies in cutting the overhead of the current system, but isn't it possible that the fundamentals of insurance just don't work? That the "pay-in" group doesn't generate enough money for the "take-out" group? If that is the case, transferring the system that doesn't add up to a single-payer doesn't seem to solve the cost problem. I am aware that I could be wrong and I don't have enough numbers to say that it doesn't add up, but I sure hope someone is doing more that just avoiding those questions because they rooting for a solution like its a football team instead of keeping a cool head and being realistic about its shortcomings.