Outlaw,
When you consider the costs of healthcare in this country, the amount we spend per person, we could easily cover everyone with single payer and have money left over. I know it dogmatic that the free market is more efficient, but that calculation never includes the whole price. They never include profits to share holders, CEO salaries, etc.
Here's the link.
Healthcare expenditures per person.
Even in your example, if you backed out the profits on the premiums your company paid your costs of doing business would be much less. Also, people, if they didn't have to worry about healthcare, if they had single payer, would be more free, they wouldn't have to keep jobs they hated just because they couldn't afford to lose their healthcare due to pre-existing condition or other reasons. We wouldn't have the problems we do with workers compensation insurance because healthcare would be out of the equation. People would be better able to afford to start their own business' if they didn't have healthcare costs coming out of their pockets every month.
The system we have now, for profit, provides great compensations for people who own the business' but pretty lousy results over all. Sure, for those at the top who can afford the premiums and the co-pays the services available, particularly the ones where there's a lot on the line, are phenomenal in this country. When someone can look you in the eye and say, "So, what's your next breath worth?" There's a lot of money to made and so, you have, because of the free market a lot of supply for that particular high profit demand, but not so much supply in the every day, low profit but more - in the overall scheme of thing - important area of general health, well patient care.
It would be a big help if we made education a part of our infrastructure spending like roads and bridges and let people go to school till they got as much high quality education as they could handle. If for example, we made it possible for every child who had the innate ability to become doctors make that happen, we'd have both more and better doctors, because we would be sampling from the whole population, not just the population that can afford first rate schooling. All schools should be first rate, create and be the meritocracy some of us think we are.
Robert