Your dilemma illustrates precisely why government-funded health services are the route Europe has chosen over the period since World War II. In the USA the private-for-profit model is objectively a total disaster (the USA spends twice as much on health care as the next-highest-spending nation yet gets outcomes near the bottom of the OECD). You can’t rescue a bad model by tweaking but the USA is so conditioned by Republican propaganda that no adequate nationwide approach to health services provision will ever be possible. So the situation will simply deteriorate further as the years pass. It’s ironic that the USA is still (just) the wealthiest nation on Earth yet resembles parts of Africa when we look at public health.

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