Good discussion. I reactively tend to agree with @seyo, but you both make great points. I’m not intimately familiar, but this seems to be how it works in nations with universal care. There is a private option for those who can afford it, but reasonable coverage is extended to all. It seems that if insurers were working with smaller, more focused pools with specific needs there is a place for them. However, as it stands in the US I think that the corrupting influence of profit over care is too powerful for it to work.
