The "insurance" business model does not deliver health care well.

It delivers reimbursement well for anomaly events, like random house fires for a large pool of people who have statistically only a few claims amongst them over a long period of time. "Insurance" is the appropriate choice to spread risk of an unlikely loss, and prevent a potential bankruptcy.

However, delivering health care requires a business model that is publicly funded, flexible, provides consistent, paperless, and dependable customer health care services seamlessly, and effortlessly with health care facilities. Health care needs increase and decrease throughout a humans life, irrespective of their finances.

Health care provided well must be delivered with a business model that matches humans health care needs. There are many business models to study from all over the world that provide health care well.

First, the USA needs to figure out a new business model, one that matches the customer service it is trying to deliver, health care.

Second, within the new "Health Care" business model framework, decide what entities, be it public or private combinations, meet consumers health care needs best.

The "insurance" business model was not meant to deliver health care services well, and it hasn't!

It's time to move forward...toward "health care" and away from insurance!