Healthcare is comprised of 3 components

1. Self Care. the most important. Colorado is actually pretty good at this.

2. Doctor Visits otherwise known as Wellness. Colorado is pretty good at this. Women tend to be more proactive with it than men. We use our healthcare more than men therefore our costs are a bit higher up front and we live longer. Men tend to neglect their wellness until their mid 50's and wait till a condition is chronic i.e. more expensive to treat. they also have a shorter life expectancy. 

3. Health Insurance I would also group Life Insurance, Disability, and Critical Care in with this. I have been placing insurance policies for individual and businesses for close to 15 years. I also advocate with claims. There is nothing you can tell me about this that I don't already know.

Herein is the rub that we won't ever agree on or you are missing my point. As long as #3 of Healthcare is a for profit business it will be broken.