Sadly, I live about five miles outside of Cook County. If I did not have health insurance and needed a check-up or medical help, I could go to Cook County hospitals/clinics for free. The worst thing about those places is that they are under-funded, under-staffed, and over-crowded.
Recently, I had to go to the ER for chest pains (which I found out was a skeletal-muscular pull). I went to the urgent care center in Kane County instead. They said they didn't have the facilities/equipment to take care of a myocardial-infarction. So the doctor said I needed to be rushed to the ER by ambulance. My girlfriend, who works for an insurance company (aka the devil), asked him to make sure that this ambulance ride (two miles to the ER) was under his referral. Sure, he says. I go to the ER and its over-crowded but they whisk me past the waiting room and plant me next to the nurses' station. I'm a friendly guy, but the doctors and nurses treated me like I was a convict. I suppose at the age of 32 the only reason I would have an MI is if I were snorting coke/speed, which I was asked several times (I drink booze, that's it). After hours of waiting, my blood work comes back and the doctor says I must have pulled a muscle(!!).
Now, I've paid about $400 in urgent care and ER bills, my insurance took care of most of it (something to the tune of $2500). But what irks me the most is the ambulance bill: $565! WTF. The doctor at the urgent care center fucking lied! He lied to me and used an MI to scare me into taking an ambulance ride instead of my own transportation. I might add that when I saw the distance charge it stated sixteen miles instead of two. Is there something wrong with this picture? Yes.
Health insurance is hyper-inflated because the legal ramifications of malpractice suits are expensive--even for small, privately owned practices; plus, doctors/hospitals/clinics need insurance and lawyers to keep hefty malpractice suits tame. Not only do doctors need that money for legal uses but they also have student loans to pay off.
Health insurance is also paying for pharmaceuticals, which is based on current markets and supply and demand principles. A medication, like the ones for liver transplant patients--so that their body doesn't reject the organ, might cost $3,000 per sixty count bottle which he or she needs to take twice a day for a month. Pharmaceutical companies are setting the prices for life-saving medications that are well above an average person's income. These companies know that insurance companies are splitting the costs for these medications and are driving up the price because its a necessity. Forget about the demand for the product; if a pharmaceutical company (or any company) knows they can get more for their product, they will set the price well above the practical retail price, causing more people to suffer and die because they want to profit.
I am for reforming health care, but I don't think the focus should not just be on insurance alone. There are several players in the health care racket: law firms, doctors, pharmaceutical companies, politicians, lobbyists, medical schools, and hospitals. The object of single-payer health care, imho, would dispel the life-threatening greed associated with any person's health.