You touch on the “for-profit vs. not-for-profit” issue some what. But, unless I missed it, I didn’t see your thoughts on the justification of for-profit health insurance.
When it comes to research and innovation I can see a reasonable argument for a for-profit business model. But I don’t see any such justification for for-profit insurance. It is fine for for-profit insurance companies to make a profit selling insurance for cars, or theft, or fire and so on… but making a profit on life or death events or quality of life issues seems immoral to me. I’m all for fixing inefficiencies and wasteful intensives, but the profit in the health insurance industry is not exactly pocket change. A great deal of cost-savings can be had by cutting the profit out of the health insurance business.