Why the Health-care Problem is not with the Insurance Companies

You are limiting the private sector to insurance.

The problem is that insurance is a symptom, not a cause of the current problems and was initially applied as a patch to a perceived problem.By creating a single-payer system, or government/public option, or nationalized health-care (whichever, if any comes to pass) you are once again pasting a patch on a worn package hoping to hold it together a little longer.

If you want to resolve the inefficiencies of the market, the first task is to work back past the results of previous policies and legislation and market disruptions to find where the market began to "fail" and find the root causes.

You will not find the cause here to be market but government.Perceived inequities were used to impose non-market solutions which increasingly distorted and limited market options.

I am certain that by imposing any of the systems mentioned above, you will not remove inequities from the system but rather redistribute the costs and benefits. If the system is actually, practically, egalitarian, then the outcome will be a distribution which results in less than optimal satisfaction for all consumers...and, the black market which will result will create greater inequities than exist now.

If the system is not egalitarian, but distributes services unequally, it will by nature have to use factors other than price to determine that distribution. Such a non-price distribution will inevitably be political and be determined by politicians interests. As such, the benefits and costs will fall on separate populations and be unequally borne or received. The population bearing the costs will then have a disincentive to contribute and will find ways to hide or diminish taxable resources. The beneficiaries will have an incentive to increase their use and grow the cost in proportion. As revenues decrease, demands increase, the government will be forced to expand the tax base, ration care, or remove health care from any private market and nationalize it, nominally providing it for free, but in fact disguising the cost by alternate funding or inflation.