This is not that different from my experience. This is the story that should guide reform legislation. Anyone who thinks single payer is a solution to this or to any healthcare problems is an ignorant fool, on a par with all the worst dupes and tools of tyranny throughout history. Might as well straight up advocate slavery. What we need is less reliance on insurance or any other adulteration of the market (regulation and monopoly for instance). Free the market and liberty, justice and equality will follow.