I generally agree with your post. However it should be noted that all Americans 65 or over are covered by U.S. Medicare. Poor Americans (not all) are covered by U.S. Medicaid. Working Americans are paying for their own insurance. The problems arise when they lose their jobs or businesses. In Canada, we're covered, but it is not sustainable. Therefore I believe we need to re-institute health care premiums and allow more private services that can be covered by private insurance.